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Chase Ink Business Preferred 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 Preferred leads by None pts. Scores: Chase Ink Business Preferred 73.1%, 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 Preferred nets $207/yr, Capital One Spark Cash Plus nets $311/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePreferred: 8.0 · Plus: 5.0
• Rewards ratePreferred: 5.0 · Plus: 8.0
• Sign-up bonusPreferred: 10 · Plus: 10
• Intro 0% APRPreferred: 0.0 · Plus: 0.0
• Regular APRPreferred: 8.2 · Plus: n/a
• Foreign transaction feePreferred: 10.0 · Plus: n/a
• Regulatory record (CFPB)Preferred: 10.0 · Plus: 10.0

Downsides

• Chase Ink Business Preferred73.1%
  Chase · business
  Annual fee $95APR 17.99%–26.99% variableRewards 1% base; 3% travel (to $150,000/yr); 3% utilities (to $150,000/yr)Credit not found

  ⚠ $95 annual fee · 3x on travel, shipping, internet/cable/phone, ads (combined $150k/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 Preferred or Capital One Spark Cash Plus?

On VaultRubric's rubric: Chase Ink Business Preferred 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.