Chase Ink Business Unlimited 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 Unlimited leads by None pts. Scores: Chase Ink Business Unlimited 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 Unlimited nets $346/yr, Capital One Spark Cash Plus nets $311/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeUnlimited: 10.0 · Plus: 5.0
Rewards rateUnlimited: 6.0 · Plus: 8.0
Sign-up bonusUnlimited: 10 · Plus: 10
Intro 0% APRUnlimited: 5.7 · Plus: 0.0
Regular APRUnlimited: 9.3 · Plus: n/a
Foreign transaction feeUnlimited: n/a · Plus: n/a
Regulatory record (CFPB)Unlimited: 10.0 · Plus: 10.0
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 Unlimited or Capital One Spark Cash Plus?
On VaultRubric's rubric: Chase Ink Business Unlimited 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.