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Side-by-side
American Express Graphite Business Cash Unlimited vs Capital One Spark Cash
Both are business travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | American Express Graphite Business Cash Unlimited | Capital One Spark Cash |
|---|---|---|
| Annual fee | $295 | $95 |
| Sign-up bonus | $1,500 cash back | $1,000 cash bonus |
| Bonus value (est.) | $1,500 | $1,000 |
| 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
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Capital One Spark Cash?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus $1,000 cash bonus (~$1,000) on the Capital One Spark Cash.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Capital One Spark Cash?
- 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'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?
- 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 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: $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.