All credit cards
Side-by-side
Capital One Spark Classic for Business vs Sapphire Reserve for Business
Both are business travel cards. The Capital One Spark Classic for Business comes from Capital One at $0/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 Classic for Business's. Get the Sapphire Reserve for Business first; revisit the Capital One Spark Classic for Business after you've earned that bonus.
| Feature | Capital One Spark Classic for Business | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up 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 |
| Transfer partners | None | chase-ur |
| Headline benefits |
Read the full review
Capital One Spark Classic for Business
$0/yr ·
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 Classic for Business 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 Classic for Business doesn't advertise one right now.
- Is the Capital One Spark Classic for Business's $0 annual fee worth it compared to the Sapphire Reserve for Business?
- The Capital One Spark Classic for Business has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Capital One Spark Classic for Business.
- Can I have both the Capital One Spark Classic for Business 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 Classic for Business or the Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Classic for Business: 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.