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Bank of America Business Advantage Unlimited Cash Rewards vs Capital One Spark Cash Select
Both are business travel cards. The Bank of America Business Advantage Unlimited Cash Rewards comes from Bank of America at $0/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
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 | Bank of America Business Advantage Unlimited Cash Rewards | Capital One Spark Cash Select |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $1,000 cash bonus | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | Bank of America | Capital One |
| Card category | business | business |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Bank of America Business Advantage Unlimited Cash Rewards
$0/yr ·
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, Bank of America Business Advantage Unlimited Cash Rewards or Capital One Spark Cash Select?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Bank of America Business Advantage Unlimited Cash Rewards's $0 annual fee worth it compared to the Capital One Spark Cash Select?
- The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so the question is whether the Capital One Spark Cash Select's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash Select's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bank of America Business Advantage Unlimited Cash Rewards.
- Can I have both the Bank of America Business Advantage Unlimited Cash Rewards and Capital One Spark Cash Select?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Business Advantage Unlimited Cash Rewards or the Capital One Spark Cash Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Business Advantage Unlimited Cash Rewards: no published min spend. 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.