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Side-by-side
Capital One Spark Cash Plus vs Sapphire Reserve for Business
Both are business travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,595 more in estimated value) than the Capital One Spark Cash Plus's. Get the Sapphire Reserve for Business first; revisit the Capital One Spark Cash Plus after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $150 | $795 |
| Sign-up bonus | $4,000 cash bonus | 150,000 points |
| Bonus value (est.) | - | $2,595 |
| Min spend to unlock bonus | - | $20,000 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 |
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), 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 Sapphire Reserve for Business?
- 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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and Sapphire Reserve for Business?
- 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 Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: no published min spend. Sapphire Reserve for Business: $20,000 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.