{"id":96032,"date":"2024-05-08T18:00:17","date_gmt":"2024-05-08T18:00:17","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/05\/08\/capital-one-spark-cash-plus-vs-spark-miles-for-business-which-is-better-for-your-business-the-points-guy\/"},"modified":"2024-05-08T18:00:17","modified_gmt":"2024-05-08T18:00:17","slug":"capital-one-spark-cash-plus-vs-spark-miles-for-business-which-is-better-for-your-business-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/05\/08\/capital-one-spark-cash-plus-vs-spark-miles-for-business-which-is-better-for-your-business-the-points-guy\/","title":{"rendered":"Capital One Spark Cash Plus vs. Spark Miles for Business: Which is better for your business? &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>The Spark line of business credit cards from Capital One is built for small-business owners craving rewards for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/everyday-spending\/\" rel=\"noopener noreferrer\" target=\"_blank\">everyday, non-bonus spending<\/a>. And the two cards in the family with annual fees \u2014 the <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" rel=\"noopener\" target=\"_blank\">Capital One Spark Cash Plus<\/a> and the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Capital One Spark Miles for Business<\/a> \u2014 are both solid options.<\/p>\n<p>If you&#8217;re debating which one to apply for, ask yourself these two questions:<\/p>\n<ul>\n<li>Would I rather have cash to put back into my business or save up for a future travel redemption?<\/li>\n<li>How much effort am I willing to put into learning about loyalty programs and award redemptions?<\/li>\n<\/ul>\n<p>The answers to these questions will help determine which Spark card is best for you. But regardless, both of these cards are on TPG&#8217;s current list of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">best business credit cards<\/a> and have a lot in common.<\/p>\n<p>Let&#8217;s take a closer look.<\/p>\n<p><a id=\"spark-cash-plus-vs-spark-miles-for-business-comparison\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Spark Cash Plus vs. Spark Miles for Business comparison<\/h2>\n<div class=\"jsx-3297233758 tpg-table \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"\/>\n<th class=\"jsx-3297233758\"><strong>\u00a0Capital One Spark Cash Plus<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Capital One Spark Miles for Business<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><strong>Annual fee<\/strong><\/td>\n<td>$150 (see<a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-cash-plus-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\"> rates and fees<\/a>)<\/td>\n<td>$95 (waived for the first year; see <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-miles-for-business-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Earning rates<\/strong><\/td>\n<td>2% cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel<\/td>\n<td>2 miles per dollar on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Sign-up bonus<\/strong><\/td>\n<td>Earn $1,200 once you spend $30,000 in the first three months after account opening<\/td>\n<td>Earn 50,000 miles (worth $925 based on <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener noreferrer\">TPG&#8217;s valuations<\/a>; not provided by the issuer) after you spend $4,500 in the first three months after account opening<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Employee cards<\/strong><\/td>\n<td>Free (see<a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-cash-plus-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\"> rates and fees<\/a>)<\/td>\n<td>Free (see <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-miles-for-business-rates-and-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">rates and fees<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"spark-cash-plus-vs-spark-miles-for-business-welcome-offers\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Spark Cash Plus vs. Spark Miles for Business welcome offers<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Spark Cash Plus<\/a> currently comes with a bonus of $1,200 once you spend $30,000 in the first three months of card membership.<\/p>\n<p>That&#8217;s a nice return, though business owners with smaller budgets may find the spending requirement unachievable.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Capital-One-Spark-Cash-Plus-and-Capital-One-Spark-Miles-for-Business.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>The <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Spark Miles<\/a> earns 50,000 miles after you meet the $4,500 spending requirement in the first three months. You can use these miles to book travel directly through Capital One, cover a previous travel purchase made within the last 90 days at a <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-capital-one-miles-fixed-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">value of one cent per mile<\/a> or transfer them directly to one of <a href=\"https:\/\/thepointsguy.com\/guide\/capital-one-transfer-partners\/\" rel=\"noopener\" target=\"_blank\">Capital One&#8217;s 15-plus travel partners<\/a>.<\/p>\n<p><a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" rel=\"noopener noreferrer\" target=\"_blank\">TPG values<\/a> Capital One miles (an estimate calculated by TPG and not the card issuer) at 1.85 cents apiece, which makes the welcome bonus on the Spark Miles card worth $925.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p>The icing on the cake is that with both of these cards, you&#8217;ll also earn rewards while spending your way to the welcome bonus since you&#8217;re getting at least 2% cash back (on the Spark Cash Plus) or 2 miles per dollar (on the Spark Miles) for all your purchases.<\/p>\n<p><strong>Winner<\/strong>: Spark Miles for Business. Its spending requirement will be way more achievable for most small businesses.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-capital-one-miles-maximum-value\/\" target=\"_blank\" rel=\"noopener\">Best ways to redeem Capital One miles<\/a><\/strong><\/p>\n<p><a id=\"spark-cash-plus-vs-spark-miles-for-business-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Spark Cash Plus vs. Spark Miles for Business benefits<\/h2>\n<p>Neither of these cards charges foreign transaction fees (see <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-miles-for-business-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a> for Spark Miles and <a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-cash-plus-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a> for Spark Cash Plus), which is handy if you travel internationally.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/04\/Young-woman-on-her-smart-phone-at-home-while-holding-credit-card_-Pekic.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">PEKIC\/GETTY IMAGES<\/figcaption><\/figure>\n<p>With both cards, you can receive itemized year-end summary reports to help you plan your budget.<\/p>\n<p>Additionally, the Spark Miles gives you up-to-$100 credit every four years for <a href=\"https:\/\/thepointsguy.com\/guide\/global-entry-vs-tsa-precheck\/\" rel=\"noopener\" target=\"_blank\">Global Entry or TSA PreCheck<\/a>.<\/p>\n<p><strong>Winner<\/strong>: Spark Miles for Business. It gets the edge here with its Global Entry credit.<\/p>\n<p><a id=\"earning-rewards-on-the-spark-cash-plus-vs-spark-miles-for-business\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning rewards on the Spark Cash Plus vs. Spark Miles for Business<\/h2>\n<p>With the <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Spark Cash Plus<\/a>, you&#8217;ll earn 2% cash back on all purchases plus 5% cash back on hotels and rental cars booked through Capital One Travel. That&#8217;s a pretty standard return, so you can use this card to <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best\/\" rel=\"noopener noreferrer\" target=\"_blank\">maximize non-bonus spending<\/a> and feel good about it.<\/p>\n<p>You can also get the card&#8217;s $150 annual fee refunded every year you spend at least $150,000 on the card (see<a href=\"https:\/\/thepointsguy.com\/apply\/capital-one-spark-cash-plus-rates-and-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\"> rates and fees<\/a>).<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/Man-using-credit-card-and-smart-phone-paying-at-cafe_Westend61.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">WESTEND61\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Note also that the Spark Cash Plus is technically a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/difference-charge-credit-card\/\" rel=\"noopener\" target=\"_blank\">charge card rather than a credit card<\/a>, meaning you must pay your balance in full each month.<\/p>\n<p>On the other hand, the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Spark Miles<\/a> earns 2 miles per dollar on everyday business purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Since we value Capital One miles at 1.85 cents apiece, the Spark Miles effectively offers a 3.7% return on all spending and a 9.3% return on Capital One Travel purchases.<\/p>\n<p><strong>Winner<\/strong>: Spark Miles for Business. Its higher return rate wins out.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener noreferrer\" target=\"_blank\">Best business credit cards for each category<\/a><\/strong><\/p>\n<p><a id=\"redeeming-rewards-on-the-spark-cash-plus-vs-spark-miles-for-business\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming rewards on the Spark Cash Plus vs. Spark Miles for Business<\/h2>\n<p>The biggest difference between the two cards is the redemption options you&#8217;ll get.<\/p>\n<p>With the <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Spark Cash Plus<\/a>, you&#8217;ll earn cash-back rewards, which you can redeem as a statement credit or check.<\/p>\n<p>With the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Spark Miles<\/a>, you can <a href=\"https:\/\/thepointsguy.com\/guide\/redeem-capital-one-miles-fixed-value\/\" rel=\"noopener noreferrer\" target=\"_blank\">redeem your miles at a fixed value<\/a> of one cent apiece by booking travel directly through Capital One Travel or covering a previous travel purchase made within the last 90 days.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/01\/Woman-at-hotel-with-suitcase-looking-at-smart-phone-while-holding-credit-card_dragana991_1.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">DRAGANA991\/GETTY IMAGES<\/figcaption><\/figure>\n<p>As with cash back, this redemption method is very simple \u2014 a plus, if you&#8217;re like TPG writer <a href=\"https:\/\/thepointsguy.com\/author\/rwilcox\/\" target=\"_blank\" rel=\"noopener\">Ryan Wilcox<\/a> and prefer straightforward redemption options. However, if you enjoy finding and booking high-value premium cabin awards, you can get even more value from your miles by transferring them to Capital One&#8217;s airline or hotel partners.<\/p>\n<p><strong>Winner<\/strong>: Spark Miles for Business. It has more redemption options and a long list of transfer partners.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/guide\/a-guide-to-earning-transferable-points\/\" rel=\"noopener\" target=\"_blank\">How (and why) you should earn transferable points<\/a><\/strong><\/p>\n<p><a id=\"should-i-get-the-spark-cash-plus-or-spark-miles-for-business\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Should I get the Spark Cash Plus or Spark Miles for Business?<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Spark Cash Plus<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Spark Miles<\/a> cards could both be great options for your small business. If you lean toward travel spending and are willing to spend time figuring out how to redeem miles for maximum value, your answer is the Spark Miles since it&#8217;s a <a href=\"https:\/\/thepointsguy.com\/guide\/a-guide-to-earning-transferable-points\/\" rel=\"noopener noreferrer\" target=\"_blank\">transferable points-earning credit card<\/a>. If not, you&#8217;ll want to go with the Spark Cash Plus.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" target=\"_blank\" rel=\"noopener\">Spark Cash Plus<\/a> is a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business-cash-back\/\" rel=\"noopener noreferrer\" target=\"_blank\">cash-back credit card<\/a> that&#8217;s solid for everyday business expenses but won&#8217;t get you outsized value when it comes to travel. That&#8217;s where the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" target=\"_blank\" rel=\"noopener\">Spark Miles for Business<\/a> comes in.<\/p>\n<p>Either of these cards could make sense for your business needs. It just comes down to how you want to collect and redeem your rewards.<\/p>\n<p>To learn more, read our full review of the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/capital-one-spark-cash-plus-review\/\" rel=\"noopener\" target=\"_blank\">Spark Cash Plus<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/capital-one-spark-miles-card-review\/\" target=\"_blank\" rel=\"noopener\">Spark Miles for Business<\/a>.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><b>Learn more: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-spark-miles\/\" rel=\"noopener\" target=\"_blank\">Capital One Spark Miles for Business<\/a><\/b><\/p>\n<p><strong>Learn more: <a href=\"https:\/\/thepointsguy.com\/card-hub\/capital-one-spark-cash-plus\/?tid=post\" rel=\"noopener\" target=\"_blank\">Capital One Spark Cash Plus<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><em>For Capital One products listed on this page, some of the above benefits are provided by Visa\u00ae or Mastercard\u00ae and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/spark-cash-business-vs-spark-miles-business\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Spark line of business credit cards from Capital One is built for small-business owners craving rewards for everyday, non-bonus spending. And the two cards in the family with annual fees \u2014 the Capital One Spark Cash Plus and the Capital One Spark Miles for Business \u2014 are both solid options. If you&#8217;re debating which [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":96033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-96032","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/96032","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=96032"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/96032\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/96033"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=96032"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=96032"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=96032"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}