American Express Blue Business Cash Card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express Blue Business Cash Card
American Express
4.7
Simple 2% cash back on all purchases up to $50k/year. No annual fee.
Full review →
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
American Express Blue Business Cash Card wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
American Express Blue
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
$250 statement credit after $3k spend in 3 months
Up to $1,200
Rewards Rate
2% on first $50k then 1%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
N/A (charge card)
Regular APR
18.49%-26.49% Best
N/A (charge card — pay in full)
Foreign Transaction Fee
—
None
Recommended Credit Score
670+
720-850
American Express Blue Business Cash Card
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
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