Capital One Spark Cash vs The American Express Blue Business Cash™ Card

This comparison aims to help users decide between the Capital One Spark Cash and The American Express Blue Business Cash™ Card, focusing on their key features, rewards, pros and cons, and ideal user scenarios.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses that prefer earning cash back without limits or category restrictions. It offers a straightforward rewards structure and valuable benefits like no foreign transaction fees.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card caters to small business owners looking for a no-annual-fee option. It provides cash back rewards and features like Expanded Buying Power, making it suitable for businesses with varying expenses.

Detailed Feature Comparison

Rewards Highlights

Capital One Spark Cash

• 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

The American Express Blue Business Cash™ Card

• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Pros and Cons

Capital One Spark Cash

• Pros:
  • Unlimited 2% cash back on all purchases
  • Generous welcome bonus
  • No foreign transaction fees
  • Rewards don’t expire
• Cons:
  • Annual fee after first year
  • Higher spending requirement for welcome bonus

The American Express Blue Business Cash™ Card

• Pros:
  • No annual fee
  • Flexible spending with Expanded Buying Power
  • Cash back automatically credited to statement
• Cons:
  • Lower welcome bonus
  • Cash back structure limits higher cash back rate

Who Should Consider Which Card?

The Capital One Spark Cash is ideal for businesses that want a straightforward cash back program with no limits on earning. It suits those who spend significantly across various categories and can meet the higher spending requirement for the welcome bonus. On the other hand, The American Express Blue Business Cash™ Card is optimal for small business owners who prefer a no-annual-fee card with the flexibility of Expanded Buying Power, especially those with fluctuating monthly expenses.

Conclusion

Choosing between the Capital One Spark Cash and The American Express Blue Business Cash™ Card ultimately depends on your business's spending habits and financial goals. Consider your typical expenses, how often you travel internationally, and whether you value a straightforward cash back structure over a flexible spending limit when making your decision.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”