Chase Ink Business Preferred® vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
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
Chase Ink Business Preferred® 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
Chase Ink Business
Capital One Spark
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
100,000 points
Up to $1,200
Rewards Rate
1x-3x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
21.24%-26.24% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
720-850
Chase Ink Business Preferred®
Pros
- 100,000-point bonus worth $1,250+ in travel
- 3x on travel, shipping, and advertising
- Points transfer to airline and hotel partners
- No foreign transaction fees
Cons
- $8,000 minimum spend for bonus
- Requires a business (sole proprietor OK)
- $95 annual fee
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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