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Blue Cash Preferred® Card from American Express vs Capital One Spark Miles for Business
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Capital One Spark Miles for Business. Both cards cater to different spending habits and financial goals, making it essential to understand their features and benefits.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for consumers who frequently shop at supermarkets and utilize streaming services. It offers lucrative cash-back rewards and a generous welcome bonus, making it suitable for families and individuals who spend heavily in these categories.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is tailored for business owners looking to earn travel rewards. With unlimited 2X miles on all purchases and additional bonuses for travel bookings, it is ideal for those who frequently travel for business or pleasure.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Spark Miles for Business |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $0 intro for the first year; $95 after that |
| Welcome Bonus | Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months | Earn a one-time bonus of 50,000 miles after spending $4,500 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000/year), 6% on select streaming subscriptions, 3% at U.S. gas stations, 3% on transit, 1% on other purchases | 2 miles per $1 on every purchase, 5 miles on hotels, vacation rentals, and rental cars booked through Capital One's travel site |
| Foreign Transaction Fee | None | None |
| Other Fees | Cash Advance Fee: either $5 or 3% of the amount (whichever is greater) | Cash Advance Fee: either $10 or 3% of the amount (whichever is greater) |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later options | Free employee cards, up to $120 credit for Global Entry or TSA PreCheck® |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses, and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Capital One Spark Miles for Business
- 2 miles per $1 on every purchase, everywhere
- 5 miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One's travel booking site
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash-back rates on groceries and streaming
- Generous welcome bonus
- Flexible redemption options for cash back
- Cons:
- Annual fee after the first year
- Rewards may not be as valuable for non-grocery spenders
Capital One Spark Miles for Business
- Pros:
- Unlimited 2X miles on every purchase
- Strong travel rewards program
- No expiration on miles
- Cons:
- Annual fee after the first year
- Higher spend requirement for the welcome bonus
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families and individuals who frequently shop at supermarkets and use streaming services. If your spending aligns with these categories, this card offers excellent rewards potential.
The Capital One Spark Miles for Business is suited for business owners and frequent travelers who want to earn unlimited miles on all purchases. If you travel often and prefer earning travel rewards, this card may be the better choice.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Capital One Spark Miles for Business have their unique advantages and cater to different user needs. Consider your individual spending habits and financial goals to determine which card aligns best with your lifestyle.