Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Capital One Spark Cash Plus
Both are business travel cards. The American Express Business Gold comes from American Express at $375/yr; the Capital One Spark Cash Plus from Capital One at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Capital One Spark Cash Plus, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | American Express Business Gold | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $375 | $150 |
| Sign-up bonus | 100,000 Membership Rewards points | $2,000 cash bonus |
| Bonus value (est.) | $1,800 | $2,000 |
| Min spend to unlock bonus | $15,000 in 3 mo | $30,000 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | business | business |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Capital One Spark Cash Plus
$150/yr · $2,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Capital One Spark Cash Plus?
- The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, versus 100,000 Membership Rewards points (~$1,800) on the American Express Business Gold.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Capital One Spark Cash Plus?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Cash Plus's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Capital One Spark Cash Plus?
- Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Capital One Spark Cash Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Capital One Spark Cash Plus: $30,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.