Capital One Spark Miles for Business vs. American Express Blue Cash Everyday®

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Capital One Spark Miles for Business Capital One Spark Miles for Business American Express Blue Cash Everyday<sup>®</sup> Card American Express Blue Cash Everyday® Card
8.4MyCreditCardLab Score

MyCreditCardLab Score 8.4

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
7.8
Intro APR
7
Regular APR
8.6
Rewards
8.7
Benefits
8.8
Welcome Bonus
7.9
Recommended Credit Score: 8.6
Foreign Transaction Fee: 10
Cash Advance Fee: 8.9
Balance Transfer Fee: 7.8
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
9.5
Rewards
8.6
Benefits
8.7
Welcome Bonus
9.3
Recommended Credit Score: 9.2
Foreign Transaction Fee: 9.1
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.3
ANNUAL FEE
$95 $0
INTRO APR
No any intro offer of this card 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers
REGULAR APR
25.99% Variable APR 19.24% - 29.99% Variable APR
PROS
  • No membership fees first year
  • Free employee cards
  • Earn 2x miles on all purchases with no limits
  • No blackout dates or seat restrictions
  • No minimum redemption amount
  • Generous 50,000 mile sign-up bonus.
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection
CONS
  • Membership fees in the second year
  • Sky-high penalty APR
  • High regular APR
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
WELCOME BONUS
50,000 miles after spending $4,500 within the first three months $200 if you spend $2,000 in first 6 months
REWARDS
Capital One Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel
  • Earn unlimited 2X miles per dollar on every purchase
  • Earn a one-time bonus of 50,000 miles. They are worth $500 in travel. You get them once you spend $4,500 on purchases in the first 3 months.
  • You can use rewards miles without blackouts or seat restrictions. They do not expire.
  • You get extra employee cards for free. They also earn unlimited 2% cash back on all purchases.
 American Express Blue Cash Everyday® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • 3% CASH BACK On Groceries At U.S. supermarkets, U.S. Online Retail Purchases and Gas At U.S. gas stations on up to $6,000 per year in purchases (then 1%)
  • 1% cash back on other purchases
  • Are you thinking about getting the Disney Bundle? It can include Disney+, Hulu, and ESPN+. You get $7/month back. It comes as a statement credit. But, you must spend $9.99 or more each month on an eligible subscription. The subscription must auto renew and you must use your Blue Cash Everyday® Card. Enrollment required.
BENEFITS
Travel Benefits - Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. Earning rewards - Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. No foreign transaction fee - Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. No additional fee for employee cards - Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. $84 Disney Bundle Credit - Get a $7 monthly statement credit. You get it after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a Disney Bundle subscription. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. Complimentary ShopRunner membership - Get free two-day shipping on eligible items at 100+ online stores. You can get it by enrolling in the free ShopRunner membership. Car rental insurance - When you use your card to pay for a rental and decline the collision damage waiver, you may get secondary auto coverage. This happens in an eligible place. American Express experiences - Get access to special ticket presales. You will also get invitations to events. These events are only for American Express card members. $180 Home Chef credit - Get up to $15 in credits per month. You get them when you pay for a Home Chef subscription with your card.
CASH ADVANCE FEE / APR
32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
25.99% variable based on the Prime Rate Enjoy 0% intro APR on purchases. Also, on balance transfers. It lasts for 15 months from account opening. After that, 19.24% to 29.99% variable APR.
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 700 - 749 (Fair - Good)
FOREIGN TRANSACTION FEE
$0 2.7%
BEST FOR
  • Travelers
  • Frequent Flyers
  • Hotel Stays
  • Airline Miles
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
More Details More Details

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