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Side-by-side
Capital One Spark Cash Plus vs Chase Ink Business Unlimited
Both are business travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the Chase Ink Business Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Ink Business Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Capital One Spark Cash Plus's. Get the Chase Ink Business Unlimited first; revisit the Capital One Spark Cash Plus after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | $4,000 cash bonus | $750 bonus cash back |
| Bonus value (est.) | - | $750 |
| Min spend to unlock bonus | - | $6,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | business |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back
Editorial take: Chase Ink Business Unlimited
The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or Chase Ink Business Unlimited?
- The Chase Ink Business Unlimited has a public bonus ($750 bonus cash back, worth roughly $750), while the Capital One Spark Cash Plus doesn't advertise one right now.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the Chase Ink Business Unlimited?
- At $150/yr, the Capital One Spark Cash Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Unlimited's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and Chase Ink Business Unlimited?
- Yes, since they're from different issuers (Capital One and Chase) 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 Capital One Spark Cash Plus or the Chase Ink Business Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: no published min spend. Chase Ink Business Unlimited: $6,000 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.