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American Express Graphite Business Cash Unlimited vs Capital One Spark Cash Select
Both are business travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Capital One Spark Cash Select from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Graphite Business Cash Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Capital One Spark Cash Select's. Get the American Express Graphite Business Cash Unlimited first; revisit the Capital One Spark Cash Select after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | Capital One Spark Cash Select |
|---|---|---|
| Annual fee | $295 | $95 |
| Sign-up bonus | $1,500 cash back | $1,000 cash bonus |
| Bonus value (est.) | $1,500 | - |
| Min spend to unlock bonus | $50,000 in 6 mo | $10,000 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | business | business |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
Read the full review
Capital One Spark Cash Select
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash Select
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Capital One Spark Cash Select?
- The American Express Graphite Business Cash Unlimited has a public bonus ($1,500 cash back, worth roughly $1,500), while the Capital One Spark Cash Select doesn't advertise one right now.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Capital One Spark Cash Select?
- At $295/yr, the American Express Graphite Business Cash Unlimited is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Cash Select's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and Capital One Spark Cash Select?
- 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 Graphite Business Cash Unlimited or the Capital One Spark Cash Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Graphite Business Cash Unlimited: $50,000 spend in 6 months. Capital One Spark Cash Select: $10,000 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.