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Side-by-side
Capital One Spark Cash vs Capital One Spark Miles for Business
Both are business travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Capital One Spark Miles for Business from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Capital One and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Capital One Spark Miles for Business costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Capital One Spark Cash | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $95 | $95 |
| Sign-up bonus | $1,000 cash bonus | |
| Bonus value (est.) | $1,000 | - |
| Min spend to unlock bonus | $10,000 in 3 mo | - |
| Issuer | Capital One | Capital One |
| Card category | business | business |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Read the full review
Capital One Spark Miles for Business
$95/yr ·
Editorial take: Capital One Spark Miles for Business
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Capital One Spark Miles for Business?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Capital One Spark Miles for Business doesn't advertise one right now.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Capital One Spark Miles for Business?
- At $95/yr, the Capital One Spark Cash is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Miles for Business's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Capital One Spark Miles for Business?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 or the Capital One Spark Miles for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Capital One Spark Miles for Business: no published min spend. 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.