American Express® Business Gold Card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
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® Business Gold Card and Capital One Spark Cash Plus are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
American Express® Business
Capital One Spark
Annual Fee
$375/yr
$150/yr Best
Sign-up Bonus
100,000 points
Up to $1,200
Rewards Rate
1x-4x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
19.49%-27.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
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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