Capital One Spark Cash Select vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Cash Select 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 Select doesn't advertise one right now.

Is the Capital One Spark Cash Select's $95 annual fee worth it compared to the Sapphire Reserve for Business?

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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.

Can I have both the Capital One Spark Cash Select 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 Select or the Sapphire Reserve for Business 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. 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.