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Side-by-side
Capital One Spark Cash vs Chase Ink Business Unlimited
Both are business travel cards. The Capital One Spark Cash comes from Capital One at $95/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
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 | Capital One Spark Cash | Chase Ink Business Unlimited |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | $1,000 bonus cash back |
| Bonus value (est.) | $1,000 | $1,000 |
| Min spend to unlock bonus | $10,000 in 3 mo | $8,000 in 4 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
$95/yr · $1,000 cash bonus
Read the full review
Chase Ink Business Unlimited
$0/yr · $1,000 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. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase labels its best offer ever (issuer-verified 2026-07-18).
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Chase Ink Business Unlimited?
- The two cards offer comparable sign-up bonuses around $1,000. Pick based on which earning categories you actually use.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Chase Ink Business Unlimited?
- 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 Chase Ink Business Unlimited's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash 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 or the Chase Ink Business Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Chase Ink Business Unlimited: $8,000 in 4 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.