Capital One Spark Cash vs The Blue Business® Plus Credit Card from American Express

This comparison aims to help users decide between the Capital One Spark Cash and the The Blue Business® Plus Credit Card from American Express. Both cards cater to business owners but offer different features and rewards structures to fit various spending habits and financial goals.

Card Overviews

Capital One Spark Cash

The Capital One Spark Cash is designed for businesses seeking to earn cash back on all purchases without complicated categories. It offers a straightforward rewards structure, making it ideal for business owners who want to maximize cash back with minimal hassle.

The Blue Business® Plus Credit Card from American Express

The The Blue Business® Plus Credit Card from American Express is tailored for small business owners looking to earn Membership Rewards points on their everyday business purchases. This card is particularly beneficial for those who can take advantage of the Expanded Buying Power feature and prefer earning points over cash back.

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 Blue Business® Plus Credit Card from American Express

• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

Pros and Cons

Capital One Spark Cash

• Pros:
  • High cash back rate on all purchases
  • Significant welcome bonus
  • No limits on cash back earnings
  • No foreign transaction fees
• Cons:
  • $95 annual fee after the first year
  • Cash back may not be as valuable as points for some users

The Blue Business® Plus Credit Card from American Express

• Pros:
  • No annual fee
  • Flexible rewards through Membership Rewards points
  • Expanded Buying Power feature
• Cons:
  • Lower cash back equivalent on overall spending
  • Points may require more effort to redeem

Who Should Consider Which Card?

The Capital One Spark Cash is ideal for business owners who prefer straightforward cash back rewards and want to earn 2% on every purchase without worrying about categories. It's particularly beneficial for those who spend significantly across various categories.

The The Blue Business® Plus Credit Card from American Express is best suited for small business owners who regularly purchase office supplies and dining expenses, as it offers 2X points on these categories. Additionally, users who value flexible rewards and can manage their spending limits may find this card advantageous.

Conclusion

Ultimately, the choice between the Capital One Spark Cash and The Blue Business® Plus Credit Card from American Express will depend on your individual spending patterns and financial goals. Consider how you plan to use the card, whether you prefer cash back or points, and your willingness to pay an annual fee 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.”