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Capital One Spark Cash vs IHG One Rewards Premier Business Credit Card
This comparison aims to help users decide between the Capital One Spark Cash and the IHG One Rewards Premier Business Credit Card. Both cards offer unique features tailored to different spending habits and business needs.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer straightforward cash back rewards. It offers 2% cash back on all purchases, making it ideal for users who want to earn rewards without worrying about category restrictions.
IHG One Rewards Premier Business Credit Card
The IHG One Rewards Premier Business Credit Card is perfect for frequent travelers who often stay at IHG hotels. This card offers a robust points structure and valuable travel perks, making it suitable for those who prioritize hotel stays and travel rewards.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $99 |
| Welcome Bonus | Earn $750 cash back once you spend $7,500 in the first 3 months | Up to 200,000 Bonus Points (140,000 after $4,000 in 3 months, 60,000 after $9,000 in 6 months) |
| Rewards Structure | 2% cash back on every purchase | Up to 26 points per $1 spent at IHG Hotels, 5 points on travel, gas, advertising, and restaurants, 3 points on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free employee cards, rewards never expire | Anniversary Free Night, Automatic Platinum Elite status |
Rewards Highlights
Capital One Spark Cash Rewards
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
IHG One Rewards Premier Business Credit Card Rewards
- Our Best Points Offer Ever! Earn up to 200,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 60,000 Bonus Points after spending a total of $9,000 in the first 6 months from account opening.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants
- Earn 3 points per $1 spent on all other purchases
Pros and Cons
Capital One Spark Cash
- Pros:
- Flat 2% cash back on all purchases
- No foreign transaction fees
- Free employee cards
- Simple rewards structure
- Cons:
- Annual fee after the first year
- Welcome bonus requires a high spending threshold
IHG One Rewards Premier Business Credit Card
- Pros:
- High potential welcome bonus
- Anniversary free night at IHG hotels
- Automatic elite status
- Cons:
- Annual fee is higher than some competitors
- Reward points primarily benefit IHG hotel stays
Who Should Consider Which Card?
The Capital One Spark Cash is ideal for business owners who prefer cash back rewards without worrying about spending categories. It's best for those who have a consistent spending pattern across various purchase types.
The IHG One Rewards Premier Business Credit Card is perfect for frequent travelers, especially those who stay at IHG properties. The valuable rewards and travel perks are suited for users who prioritize hotel stays and travel experiences.
Conclusion
When choosing between the Capital One Spark Cash and the IHG One Rewards Premier Business Credit Card, consider your spending habits and financial goals. The right card for you will depend on whether you prefer cash back rewards or travel points, as well as your typical spending categories.