Chase Ink Business Preferred vs Capital One Spark Cash Plus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Ink Business Preferred wins 4-1. US-incorporated startups — best welcome bonus in the business-card space. Capital One Spark Cash Plus is still the right call if high-spend small business — 2% flat with $1,200 welcome..
Side-by-side
| Criterion | Chase Ink Business Preferred | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $95 | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 3% (travel) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel) | = $1,200 cash bonus after $30,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Chase Ink Business Preferred
- 3x points on travel + shipping + advertising + telecom (first $150K/year)
- 1x on everything else
- No foreign transaction fees
- Cell phone protection up to $1,000/claim
- Transferable to airline + hotel partners 1:1
- Employee cards at no cost
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
FAQ
›Chase Ink Business Preferred vs Capital One Spark Cash Plus: which is better?
Chase Ink Business Preferred wins on more dimensions (4 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Ink Business Preferred for its best categories, Capital One Spark Cash Plus for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Ink Business Preferred: 90,000 points after $8,000 spend in first 3 months (~$1,125 in travel). Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months.