Update: Offers expired.

There are currently two mega bonuses on both the card_name and card_name. You can only get one of the two cards so you need to decide which one will work better for your business. Thankfully, it’s not such a tough decision. Let’s discuss the differences in detail so that you can decide. 

First, what is not different:

• Both are business cards
• Both do not report on your personal credit report
• Both are no-preset limit cards
• Both earn at least 2% cash back/2 miles on all purchases 

Now let’s dive into the many differences. 

The annual fee

The annual fee on the card_name is way higher than the card_name. The fee on the card_name is $395 and the fee on the card_name is only $150. But we will discuss later on in the post the many benefits that come along with the card_name to justify the higher annual fee 

The rewards

The card_name earns the following rewards: 

• 10 miles on hotels and car rentals booked through Capital One Travel
• 5 miles on flights booked through Capital One Travel
• Unlimited 2 miles on all purchases

The card_name earns the following rewards:

• 5% cashback on hotels and car rentals booked through Capital One Travel
• Unlimited 2% cashback on all purchases

So the card_name earns more rewards for hotels, flights, and car rentals booked on Capital One Travel. On all other purchases they both earn the same. 

The type of rewards

The card_name earns Capital One Miles and the card_name earns cashback.

But one thing to keep in mind is that with the card_name, you can also transfer the cashback into miles by moving the cashback to a Capital One card that earns miles (either yours or even your spouse/friends). But the other way around is not possible. You cannot move miles from the card_name to the card_name to redeem it as cashback; you can only redeem it as cashback for a very poor value of a half penny per point. So in this regard, the card_name is better as it gives you the flexibility to redeem your cashback at the regular 1-cent rate, or move it to miles if you prefer.

The bonus

The bonus is very similar on both cards. 

Expired. card_name: Earn a total of 300,000 miles. Earn 150,000 miles after spending $20,000 within the first 3 months. Plus, earn an additional 150,000 miles after spending a total of $100,000 within the first 6 months.

Expired. card_name: Earn a total of $3,000. Earn $1,500 after spending $20,000 within the first 3 months. Plus, earn an additional $1,500 after spending a total of $100,000 within the first 6 months.

The credits

The card_name has more credits than the card_name. Here is the exact breakdown.  

$300 travel credit: Receive a $300 travel credit when booking any travel, including flight, hotel, and car, using the Capital One Travel portal, each card membership year. Only on card_name. 

TSA precheck /Global entry: Get up to a $100 statement credit for Global Entry or TSA Pre-Check every 4 years. Only on card_name. 

10,000 bonus anniversary miles:  Get 10,000 anniversary bonus miles each anniversary year. Only on card_name. 

$150 annual fee refund: Get a $150 annual fee refund every year your business spends $150,000 or more on your card. Only on card_name. 

The airport lounge access

The card_name also comes along with complimentary lounge access which is not available on the card_name. 

With a complimentary membership to Priority Pass Select, you gain access to 1,300+ airport lounges. You also have access to Plaza Premium lounges and to the Capital One lounges in Dallas-Fort Worth, Denver, and Washington Dulles Airport (plus more coming shortly). 

The protections

The card_name has many more protections, both when you travel and when you purchase something on the card. Here is the exact breakdown.

Trip cancellation insurance, travel accident insurance, lost luggage/ luggage delay insurance insurance, cell phone protection, and price protection. Only on card_name.

Auto rental insurance, extended warranty protection, and purchase protection. Offered on both the card_name and card_name.

Conclusion

The card_name is the more expensive one but has some credits and benefits that might justify the annual fee, especially for a business owner who travels often.

The card_name can work well for the budget focused business owner, plus, I love the flexibility it offers to either redeem your points at a 1-cent rate for cash back or to transfer them to miles (as described above). 

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Card Details

Welcome Bonus

Spark Cash Plus Select card

Earn $1,200 after spending $30,000 within the first 3 months.

Annual Fee

Spark Cash Plus Select card

$150

Rewards

Spark Cash Plus Select card

– 5% cashback on hotels and car rentals booked through Capital One Travel
– Unlimited 2% cashback on all purchases

Benefits

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