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Capital One Spark Miles for Business vs Chase Sapphire Preferred

Both are well-respected travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/yr; the Chase Sapphire 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 Sapphire Preferred is the stronger pick today — the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Capital One Spark Miles for Business's. Get the Chase Sapphire Preferred first; revisit the Capital One Spark Miles for Business after you've earned that bonus.

FeatureCapital One Spark Miles for BusinessChase Sapphire Preferred
Annual fee$95$95
Sign-up bonus50,000 miles75,000 points
Bonus value (est.)$900$1,500
Min spend to unlock bonus$4,500 in 3 mo$5,000 in 3 mo
IssuerCapital OneChase
Card categorybusinesstravel
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
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 10+ partners
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 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 Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or Chase Sapphire Preferred?
The Chase Sapphire Preferred has the bigger bonus — 75,000 points, worth roughly $1,500, 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 Sapphire 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 Sapphire Preferred's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and Chase Sapphire 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 Sapphire 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 Sapphire Preferred: $5,000 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.