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Chase Ink Business Cash 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: Chase Ink Business Cash leads by None pts. Scores: Chase Ink Business Cash 80.0%, 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 …): Chase Ink Business Cash nets $356/yr, Capital One Spark Cash Plus nets $311/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeCash: 10.0 · Plus: 5.0
• Rewards rateCash: 6.0 · Plus: 8.0
• Sign-up bonusCash: 10 · Plus: 10
• Intro 0% APRCash: 5.7 · Plus: 0.0
• Regular APRCash: 9.3 · Plus: n/a
• Foreign transaction feeCash: n/a · Plus: n/a
• Regulatory record (CFPB)Cash: 10.0 · Plus: 10.0

Downsides

• 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.

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

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.