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Amex Blue Business Plus vs Capital One Spark Cash Plus

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: Amex Blue Business Plus 73.9%, Capital One Spark Cash Plus 61.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Blue Business Plus nets $461/yr, Capital One Spark Cash Plus nets $311/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlus: 10.0 · Plus: 5.0
• Rewards ratePlus: 8.0 · Plus: 8.0
• Sign-up bonusPlus: n/a · Plus: 10
• Intro 0% APRPlus: 5.7 · Plus: 0.0
• Regular APRPlus: 8.0 · Plus: n/a
• Foreign transaction feePlus: n/a · Plus: n/a
• Regulatory record (CFPB)Plus: 10.0 · Plus: 10.0

Downsides

• Amex Blue Business Plus73.9%
  American Express · business · limited data
  Annual fee $0APR 16.99%–28.74% variableRewards 2% baseCredit not found

  ⚠ APR up to 28.74% if you carry a balance · 2X Membership Rewards on the first $50,000 of purchases per calendar year, then 1X (cap not modeled).

• Capital One Spark Cash Plus61.4%
  Capital One · business · limited data
  Annual fee $150 (Refunded each year you spend ≥$150,000; charge card (pay in full))APR not foundRewards 2% baseCredit not found

  ⚠ $150 annual fee (Refunded each year you spend ≥$150,000; charge card (pay in full))

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Amex Blue Business Plus or Capital One Spark Cash Plus?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.