Capital One Spark Cash Plus and American Express Business Gold Card

Capital One Spark Cash Plus annual fee: The $150 fee is payable annually by cardholders. Annual fee for the American Express Business Gold Card is $295.

Capital One Spark Cash Plus offers rewards: Get 2% cashback on all purchases, without any restrictions or limits. Cashback can be redeemed in any amount and the rewards will not expire over the lifetime of your account. American Express Business Gold Card gives you four points for every dollar spent in the categories that your company spends most. This rate is available for purchases up to $150,000 combined and cardholders get 1 point per dollar.

Capital One Spark Cash plus offers a $500 cash bonus as a sign-up bonus. This is $500 after you spend $5,000 in the first 3 months, and $500 after you have spent $50,000 within the 6 months. After you spend $10,000 on eligible purchases within the first three month, your American Express Business Gold Card will give you 70,000 reward points. These points can be used to pay card fees or for $700 for flights booked through American Express Travel. You can earn a $200 cash bonus if you spend at least $200,000 each year on Capital One Spark Cash Plus.
Employee cards can be added for no cost.

There is no foreign transaction fee with either card. American Express Business Gold Card provides car rental damage and loss coverage as well as baggage insurance. It also gives access to the 24/7 Global Assist Hotline, which can be used for assistance with travel. These terms apply.

Capital One Spark Miles Plus vs. Capital One Cash Plus

Capital One Spark Cash Plus will charge you $150 annually. The annual fee is waived by Capital One Spark Miles Business for the first year, and $95 for each subsequent year.

Capital One Spark Cash PLUS offers rewards: Get 2% cashback on all purchases, without any restrictions or limits. Cashback can be redeemed in any amount by cardholders, and the rewards don't expire over the lifetime of your account. Capital One Travel offers 5 Miles per Dollar for hotel or rental car reservations. Capital One Spark Miles Business gives you 2 Miles per Dollar on any other purchase.

Capital One Spark Cash Plus offers a sign-up bonus of $1,000. It is $500 if you spend $5,000 within the first three months, and $500 if you spend $50,000 over the next six months. After you have spent $4,500 in Capital One Spark Miles Business within the first three months of opening your card, you can get 50,000 bonus points.

Benefits: Earn $200 Cash Bonus when you spend at least $200,000 per year on Capital One Spark cash Plus. Employee cards can be added for no cost. Foreign transaction fees are not charged by either card.

Capital One Spark Miles Business includes rental collision coverage and extended warranty protection. It also offers purchase security and assistance with travel and emergencies.