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Card vs Card Comparison

Capital One Spark Cash Plus
vs
Chase Ink Business Unlimited.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Capital One

Capital One Spark Cash Plus

Annual fee

$150

Points

Cashback

Signup bonus

$1,000 cash after $30K in 3 months

Top earning rates

  • →2% flat cash back on every business purchase
  • →5% on hotels and rental cars booked through Capital One Travel
  • →No preset spending limit

Top perks

  • →Annual fee refunded each year you spend $150K or more
  • →Free authorized user cards
  • →Cell phone protection
See Capital One Spark Cash Plus detailsarrow_forward

Chase

Chase Ink Business Unlimited

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →1.5x flat on every business purchase
  • →Pairs with Sapphire Preferred or Reserve to unlock Chase transfer partners

Top perks

  • →$0 annual fee forever
  • →Primary rental car coverage on business rentals
  • →Purchase protection and extended warranty
See Chase Ink Business Unlimited detailsarrow_forward

The verdict

When each card wins.

Capital One Spark Cash Plus wins if

Pick this if you have a high-spend business and want a flat 2% on everything with no category tracking.

Honest downside: Charge card means the balance is due in full every month. No long-term financing option.

Chase Ink Business Unlimited wins if

Pick this if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Honest downside: On its own, it earns only cashback. Real value unlocks only when paired with a Sapphire card.

At a glance

Side-by-side spec sheet.

SpecCapital One Spark Cash PlusChase Ink Business Unlimited
Annual fee$150Free
Points currencyCashbackUltimate Rewards (with Sapphire pairing)
Signup bonus$1,000 cash$900 cash back
Top earn category2% flat cash back on every business purchase1.5x flat on every business purchase
Second earn category5% on hotels and rental cars booked through Capital One TravelPairs with Sapphire Preferred or Reserve to unlock Chase transfer partners
Third earn categoryNo preset spending limitStandard 1x earn
Signature perkAnnual fee refunded each year you spend $150K or more$0 annual fee forever
IssuerCapital OneChase

Questions

Frequently asked.

Which is better, Capital One Spark Cash Plus or Chase Ink Business Unlimited?

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Capital One Spark Cash Plus wins if you have a high-spend business and want a flat 2% on everything with no category tracking. Chase Ink Business Unlimited wins if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Can I have both the Capital One Spark Cash Plus and the Chase Ink Business Unlimited?

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Yes. These are issued by different banks (Capital One and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Capital One Spark Cash Plus or Chase Ink Business Unlimited?

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Capital One Spark Cash Plus has the higher annual fee at $150, compared to $0 for Chase Ink Business Unlimited. Whether the pricier card is worth the difference depends on which credits and perks you use each year.