Two business cards optimized for very different operating models. Ink Business Preferred ($95 AF) leans into category-bonused points; Spark Cash Plus ($150 AF) is flat 2% on everything with a charge-card structure and $200 annual spend-tier bonus.
Scored against our published methodology · Updated July 26, 2026
Take the 60-second quizSmall business owners spending $5,000+/yr on travel, shipping, internet/cable/phone, or advertising (search + social) — the 3x category at $150k cap annually transfers to United at our 1.5 cpp benchmark for real value. Chase cut Ultimate Rewards → Hyatt transfers from 1:1 to 4:3 for this card (June 2026); United remains 1:1.
Find your match
Capital One
Established businesses spending $50,000+/yr who want flat 2% on everything with no rotating-category tracking and an annual $200 cash bonus once you hit $200k in spend (recovers most of the AF). Charge-card structure — pay in full monthly.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 26, 2026. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering.
| Spec | Chase Ink Business Preferred | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $95 | $150 |
| 0% intro APR period | None | None |
| Foreign transaction fee | None | None |
| Rewards score | 17/20 | 16/20 |
| Fee-structure score | 16/20 | 14/20 |
| ClearValue score | 83/100 | 80/100 |
| Late fee | Up to $40 | 2.99% of past due amount |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" would misrepresent the data.
Tap the spec you care about — we'll show which card leads on it.
For Annual fee, the Chase Ink Business Preferred leads ($95).
Service businesses spending heavily in the bonus categories (travel, shipping, internet/cable/phone, advertising)
3x at $150k annual cap, transferred to United at 1:1 (1.5+ cpp) or Hyatt at a 4:3 ratio (cut from 1:1 in Chase's June 2026 devaluation). The lowest AF + highest ceiling for category-concentrated business spend.
See your matchesEstablished businesses with $50k+/yr spend who want simple flat 2% and can pay-in-full monthly
No category tracking, no point redemption skill required, and at $200k+ annual spend the $200 bonus offsets most of the AF.
See your matchesBusinesses with under $20k/yr spend or that need revolving credit. The $0 AF Capital One Spark Cash Select or Chase Ink Cash returns more.
Weighing the numbers yourself? Run our free credit card vs. loan cost calculator.
Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizAnnual fee
Chase Ink Business Preferred: $95
Capital One Spark Cash Plus: $150 (offset by $200 bonus at $200k spend)
Earning structure
Chase Ink Business Preferred: 3x in 4 categories at $150k cap, 1x else
Capital One Spark Cash Plus: Flat 2% on everything
Revolving vs charge
Chase Ink Business Preferred: Revolving
Capital One Spark Cash Plus: Charge card — pay in full monthly
Reporting
Chase Ink Business Preferred: Commercial bureaus, not personal credit (positive activity)
Capital One Spark Cash Plus: Capital One reports to personal credit
Transfer partners
Chase Ink Business Preferred: Yes (Chase UR ecosystem)
Capital One Spark Cash Plus: Capital One Miles (weaker ecosystem) or cashback
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Chase Ink Business Preferred scores 83/100 (Solid pick) and the Capital One Spark Cash Plus scores 80/100 (Solid pick). Service businesses spending heavily in the bonus categories (travel, shipping, internet/cable/phone, advertising) should lean Chase Ink Business Preferred; established businesses with $50k+/yr spend who want simple flat 2% and can pay-in-full monthly should lean Capital One Spark Cash Plus. Take the 60-second quiz to see which fits your profile.
The Chase Ink Business Preferred carries $95, sourced from the issuer's published Schumer Box as of July 26, 2026. The Capital One Spark Cash Plus carries $150, as of July 15, 2026. Fees change — confirm the current number at the issuer before you decide.
Service businesses spending heavily in the bonus categories (travel, shipping, internet/cable/phone, advertising) tend to do better with the Chase Ink Business Preferred; established businesses with $50k+/yr spend who want simple flat 2% and can pay-in-full monthly with the Capital One Spark Cash Plus. If neither describes you cleanly, take the 60-second quiz for a match.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Chase Ink Business Preferred earned 83/100 and the Capital One Spark Cash Plus earned 80/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
