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Capital One Spark Miles for Business vs Chase Ink Business Preferred

Both are business travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/yr; the Chase Ink Business Preferred from Chase at $95/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 Preferred is the stronger pick today — the sign-up bonus is meaningfully larger ($1,100 more in estimated value) than the Capital One Spark Miles for Business's. Get the Chase Ink Business Preferred first; revisit the Capital One Spark Miles for Business after you've earned that bonus.

FeatureCapital One Spark Miles for BusinessChase Ink Business Preferred
Annual fee$95$95
Sign-up bonus50,000 miles100,000 points
Bonus value (est.)$900$2,000
Min spend to unlock bonus$4,500 in 3 mo$8,000 in 3 mo
IssuerCapital OneChase
Card categorybusinessbusiness
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-onechase-ur
Headline benefits
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
  • 100,000 point sign-up bonus
  • 3x on travel, shipping & advertising
  • Cell phone protection
  • Transfer to UR partners
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points

Editorial take: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

Editorial take: Chase Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on shipping, travel, and advertising plus full UR transfer access. A no-brainer for business owners.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or Chase Ink Business Preferred?
The Chase Ink Business Preferred has the bigger bonus — 100,000 points, worth roughly $2,000, versus 50,000 miles (~$900) on the Capital One Spark Miles for Business.
Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the Chase Ink Business Preferred?
At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Ink Business Preferred's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and Chase Ink Business Preferred?
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 Miles for Business or the Chase Ink Business Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: $4,500 spend in 3 months. Chase Ink Business Preferred: $8,000 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.