Capital One Spark 2% Cash vs Capital One Spark Miles for Business
Capital One Spark Miles for Business earns more in 2 of the 2 categories we track. Both cost $95 a year.
The basics
| Detail | Capital One Spark 2% Cash | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $95 | $95 |
| Card type | Business | Business |
| Rewards | Cash Back | Capital One Miles |
| Each point is worth | 1.00¢ | 1.70¢ |
| Everywhere else | 2x | 2x |
| Welcome bonus | $1,000 cash bonus after $10,000 in 3 months | — |
What each earns
| Category | Capital One Spark 2% Cash | Capital One Spark Miles for Business |
|---|---|---|
| Card Travel Portals | 5.0% 5x | 8.5% (higher) 5x |
| Everything else | 2.0% 2x | 3.4% (higher) 2x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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