You may have different needs than what the Capital One Spark 1.5X Miles Select card has to offer. When selecting a business card, it’s helpful to compare offers side by side and to see what benefits are most useful to you.
Capital One Spark 1.5X Miles Select vs. Ink Business Cash® Credit Card
For business owners who spend more on everyday purchases rather than travel, the Ink Business Cash® Credit Card could be a strong alternative. Like the Capital One Spark 1.5X Miles Select, this card features a $0 annual fee. But instead of bonus rewards for hotels and rental cars, the Ink Business Cash earns high bonus rewards on business-centric categories, like office supply stores, internet, cable and phone services, as well as gas and dining purchases.
Capital One Spark 1.5X Miles Select vs. The American Express Blue Business Cash™ Card
The no-annual-fee The American Express Blue Business Cash™ Card offers a higher flat rate of 2 percent on purchases (for the first $50,000 in a year, then 1 percent thereafter). But the longer 12-month 0 percent intro APR on purchases (followed by a variable rate of 18.49 percent to 26.49 percent) may be a better fit for someone looking for more time to cover purchases for a promotional period without having to deal with interest charges. Plus, the Expanded Buying Power feature and enhanced travel and purchase protections could provide more value for small-business owners. One thing to note with this card is the 2.7 percent foreign transaction fee, which could be an expensive fee for anyone traveling abroad or making online purchases with merchants based outside the U.S.
Best cards to pair the Capital One Spark Miles Select for Business with
Pairing the Capital One Spark 1.5X Miles Select card with a co-branded airline credit card could be a fantastic way to beef up your business travel perks and benefits and make up for the Spark Select’s lack of high bonus rewards for flights. Some co-branded business cards offer perks designed to make your travel easier and save you money, such as the United℠ Business Card. The United Business card offers features such as first checked bag free for you and a companion, two complimentary United Club lounge passes per year and a generous welcome offer of up to 150,000 bonus miles.
You could also pair the Spark Select card with a cash back business card that would earn rewards for your biggest business expenses outside of travel. For example, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers 3 percent cash back on a category of your choice, including gas (and EV charging stations), office supplies, travel, TV/telecom and wireless, computer service or business consulting services. Plus the card also offers 2 percent on dining purchases and 1 percent cash back on all other purchases. There is a $50,000 purchase limit on combined 2 percent and 3 percent categories each calendar year, then unlimited 1 percent cash back, but it gives a business owner a serious opportunity to earn cash back on typical business expenses.