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Capital One Spark Cash Plus vs Chase Ink Business Cash

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: Chase Ink Business Cash leads by None pts. Scores: Capital One Spark Cash Plus 61.4%, Chase Ink Business Cash 80.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Spark Cash Plus nets $311/yr, Chase Ink Business Cash nets $356/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feePlus: 5.0 · Cash: 10.0
Rewards ratePlus: 8.0 · Cash: 6.0
Sign-up bonusPlus: 10 · Cash: 10
Intro 0% APRPlus: 0.0 · Cash: 5.7
Regular APRPlus: n/a · Cash: 9.3
Foreign transaction feePlus: n/a · Cash: n/a
Regulatory record (CFPB)Plus: 10.0 · Cash: 10.0

Capital One Spark Cash Plus

IssuerCapital One
Typebusiness
Annual fee$150 (Refunded each year you spend ≥$150,000; charge card (pay in full)) capitalone.com, 2026-10-12
Regular purchase APRnot found capitalone.com, 2026-10-12
Rewards2% base capitalone.com, 2026-10-12
Sign-up bonus (≈$)$2,000 $2,000 after $30,000 in 3 months capitalone.com, 2026-10-12
Intro APRnone No intro APR shown capitalone.com, 2026-10-12
Foreign transaction feenot found capitalone.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found capitalone.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Chase Ink Business Cash

IssuerChase
Typebusiness
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR16.99%–24.99% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr) creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)$750 $750 cash back (see issuer for spend requirement) creditcards.chase.com, 2026-10-12
Intro APR12 months 0% intro APR for 12 months on purchases creditcards.chase.com, 2026-10-12
Foreign transaction feenot found creditcards.chase.com, 2026-10-12
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feenot found files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needednot found creditcards.chase.com, 2026-10-12
Grace periodnot found
Cash advance APRnot found

Downsides

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))
Chase Ink Business Cash80.0%
Chase · business
Annual fee $0APR 16.99%–24.99% variableRewards 1% base; 5% utilities (to $25,000/yr); 2% dining (to $25,000/yr); 2% gas (to $25,000/yr)Credit not found
⚠ 5% on office supply + internet/cable/phone (combined $25k/yr); 2% gas+restaurants combined $25k/yr.

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, Capital One Spark Cash Plus or Chase Ink Business Cash?

On VaultRubric's rubric: Chase Ink Business Cash scores higher. 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.