Today, great Capital One cards are being compared for you to choose wisely: Spark 2% Cash Plus or Spark 2X Miles?

Capital One not only offers fantastic cards for individuals but also provides powerful credit card options for those who own or manage small businesses. 

Capital One Spark 2% Cash Plus requires excellent credit, and there is a reason: it is a fantastic option for small business owners who want to get a bit more from a credit card.

In the first place, you can earn up $1,000 within the first six months of the account opening, being that $500 once spending $5,000 within three months and $500 once spending $50,000 within six months.

The rewards don’t end there! Shortly, this card offers unlimited 2% cash back on all of your purchases.

Additionally, you get 5% cash back on car rentals and hotels through the Capital One Travel program.

Not to mention that the Spark 2% Cash Plus adapts to your business spending, so there is no preset spend limit.

Although it charges a $150 annual fee, it offers an annual bonus of $200 cash once you spend at least $200,000. In sum, you can cover the annual fee charged by receiving the bonus.

Finally, there are plenty of benefits you can enjoy by choosing this Capital One card, including security features, dedicated customer support, Roadside Assistance, no foreign fees on international transactions, free employee cards, payment flexibility, virtual cards, and much more.

Also, as a business manager or owner, you must know delegating tasks is essential. So, the bank lets you assign an account manager to make and track transactions.

Spark 2X Miles works pretty similar to the Spark 2% Cash Plus. However, it is more suitable for those who travel abroad since it offers miles instead of cash back as a reward.

In essence, the Capital One Spark 2X Miles provides you with a generous welcome bonus of 50,000 miles once you spend at least $4,500 within three months of the account opening.

Besides that, it features 2X miles on every purchase you make and 5X on car rentals and hotels through the Capital One Travel program.

Furthermore, the redemption program is pretty flexible, so you can redeem the miles earned as you want.

Even though the APR might be quite high, the annual fee in the first year is waived.

Also, you get exclusive benefits, such as:

Firstly, the card offers unlimited cash back at great rates. 

Also, the annual fee can be paid with the annual bonus offered. 

This Capital One features no APR and no preset spend limit. As a result, this credit card adapts to your business needs and finances.    

On the other hand, if you travel a lot because of your business, a Spark 2X Miles credit card might fit better because it offers unlimited miles at a very good rate.

Additionally, it gathers other exclusive perks you may love, including a flexible redemption program and access to luxurious amenities for recharging while dealing with business travels.  

The annual fee can be expensive if you don’t get the chance to spend at least $200,000 yearly to earn the annual bonus.

Moreover, even though there is no APR due to it being a Pay-in-Full card, a monthly late fee of 2.99% will apply if you fail to pay your balance in full every month.  

You may need to watch out for the APR and the annual fee after the first year. 

In addition, although the card is best for travelers, it lacks some insurance features in case you travel abroad and an accident happens. 

Spark 2% Cash Plus or Spark 2X Miles? Hopefully, this article could have helped you with this question.

As shown before, both Capital One cards offer great reward rates at reasonable costs. 

Also, both provide you with the basics of cards designed for small businesses: flexibility, security, and exclusive perks.

On the one hand, the Spark 2% Cash Plus card fits better for those who seek cash back.

On the other hand, the Spark 2X Miles is way more suitable for those who regularly travel.

So, now, it is up to you! But don’t go away just yet! There is a third option for you! Check it out!