![]() The Ink Business Cash’s biggest draw is its cash rewards, but it’s a little more nuanced. There is one key caveat with the Capital One Spark Cash Plus: You’ll need to spend at least $7,5000 each year ($625 each month) for your rewards to clear the annual fee cost before this card’s real value kicks in. And here’s the real kicker: there’s no limit to how much you can earn and no minimum amount needed to redeem. You earn a flat 2% cash back on every purchase, and your cash rewards never expire. The Capital One Spark Cash Plus is best for business owners looking for simple rewards on their spending. Otherwise, you’ll still get a great bonus deal with the Ink Business Cash. If you typically spend enough to meet the Spark Cash Plus card’s spending threshold without overspending, it can be a better option. The winner in this category comes down to your regular business budget. On the other hand, the Ink Business Cash bonus is $250 less, but only requires a fraction of the spending, at $7,500. But to earn the full amount, you’ll need to spend $50,000 in just six months. If you compare the two, the Capital One Spark Cash Plus can net a larger cash bonus in total. But to earn the additional $500, you’ll need to spend at least a total $50,000 within the first six months. The $1,000 sign-up bonus for the Capital One Spark Cash Plus is twofold, so you can score the initial $500 cash bonus after spending $5,000 on purchases within three months from account opening. ![]() However, it requires you to spend a higher amount compared to the Capital One Spark Cash Plus, so your monthly business spending should total $2,500 or more in order to meet the threshold for that bonus. The Ink Business Cash Card’s sign-up bonus is $750 bonus cash back after you spend $7,500 on purchases in the first three months from account opening. Travel and emergency assistance services.Ability to download your records into common business accounting programs like Quicken, Quickbooks and Excel.Annual $200 cash bonus every year you spend at least $200,000.2% cash back on the first $25,000 combined annual spending at gas stations and restaurants.5% cash back on the first $25,000 combined annual spending at office supply stores and on internet, cable, and phone services.Chase Ink Business CashĮarn up to $1,000: $500 back after you spend $5,000 in the first three months, then $500 after you spend $50,000 within the first six monthsĮarn $750 back after you spend $7,500 within three months of account opening Side-by-Side Comparison: Capital One Spark Cash Plus vs. Here’s how the Ink Business Cash Card and Capital One Spark Cash Plus stack up against each other. Both offer various rewards and benefits at different price points which is right for you depends on your business and its expenses. The Ink Business Cash® Credit Card and the Capital One Spark Cash Plus are among our picks for the best business credit cards. Many business credit cards offer 1% to 5% back on the things you buy for your business, and this can truly be “free money” if you avoid interest charges and pay your credit card bill in full each month. Using a cash back credit card for your business or side hustle is an effective way to earn back a percentage of your spending. But the Spark Cash Plus is a solid choice for earning 2% on every purchase, as long as your budget is high enough to outpace the annual fee with the rewards you earn. If much of your budget is focused within the Ink Business Cash bonus categories, you may get more value from its higher rewards rate and no annual fee. Both the Capital One Spark Cash Plus Card* and Chase Ink Business Cash Card can help you save a lot of money on your business expenses, but there are a few things that set them apart.
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