All credit cards
Side-by-side
Capital One Spark Cash Select vs Chase Ink Business Premier
Both are business travel cards. The Capital One Spark Cash Select comes from Capital One at $95/yr; the Chase Ink Business Premier from Chase at $195/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 Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Capital One Spark Cash Select's. Get the Chase Ink Business Premier first; revisit the Capital One Spark Cash Select after you've earned that bonus.
| Feature | Capital One Spark Cash Select | Chase Ink Business Premier |
|---|---|---|
| Annual fee | $95 | $195 |
| Sign-up bonus | $1,000 cash bonus | $1,000 cash back |
| Bonus value (est.) | - | $1,000 |
| Min spend to unlock bonus | $10,000 in 3 mo | $10,000 in 3 mo |
| Issuer | Capital One | Chase |
| 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 Select
$95/yr · $1,000 cash bonus
Read the full review
Chase Ink Business Premier
$195/yr · $1,000 cash back
Editorial take: Chase Ink Business Premier
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Select or Chase Ink Business Premier?
- The Chase Ink Business Premier has a public bonus ($1,000 cash back, worth roughly $1,000), while the Capital One Spark Cash Select doesn't advertise one right now.
- Is the Capital One Spark Cash Select's $95 annual fee worth it compared to the Chase Ink Business Premier?
- At $95/yr, the Capital One Spark Cash Select is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Premier's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Select and Chase Ink Business Premier?
- 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 Select or the Chase Ink Business Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Select: $10,000 spend in 3 months. Chase Ink Business Premier: $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.