Difference Between Capital One Spark Cash And Blue Business Cash – 14 Points

1. Amex blue business cash is good choice if you spend less than $50000 a year and spending is varied. It comes with no annual fee, intro apr and straight forward reward program. It has foreigh transaction fee and no sign up bonus.

If you spend high enough to justify the annual fee (first year fee waived off), capital one spark cash for business is good choice. It comes with $500 sign up bonus, 2% unlimited cash back on all purchases and no foreign transaction fee.

2. Pros:

Capital One Spark Cash

Blue Business Cash

Big sign up bonus

Solid straight forward reward

No foreign transaction fee

No annual fee

Employee card at no extra cost

0% intro apr

2% cash back on all purchases.

Spend above your credit limit

 

Automatic redemption

 

Employee cards at no cost

3. Cons:

Capital One Spark Cash

Blue Business Cash

$95 annual fee

2.7% foreign transaction fee

No bonus categories

No welcome offer

High regular apr

Annual spending cap on spending for 2% cash back

No intro apr

 

4. Reward Rate:

AmEx Blue Business Cash:

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Capital One Spark Cash for Business:

2% cash back on all purchases

5. Sign Up Bonus:

AmEx Blue Business Cash:

N/A

Capital One Spark Cash for Business:

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

6. Annual Fee:

AmEx Blue Business Cash:

$0

Capital One Spark Cash for Business:

$95 (First year waived off)

7. Regular Apr:

AmEx Blue Business Cash:

14.99% – 20.99% Variable APR

Capital One Spark Cash for Business:

19.24% Variable APR

8. Intro Apr:

AmEx Blue Business Cash:

0% on Purchases and Balance Transfers for 12 months

Capital One Spark Cash for Business:

N/A

9. Credit Needed:

AmEx Blue Business Cash:

700- 850 Good to Excellent

Capital One Spark Cash for Business:

700-850 Good to Excellent

10. Other Benefits:

AmEx Blue Business Cash:

Give a trusted individual access to manage your card account when you’re unavailable by designating an account manager.
Employee cards at no cost
Car rental loss and damage insurance
Ability to spend a limited amount above your credit limit.
Baggage insurance
Free business expense tracking tools
Account alerts
Purchase protection
Extended warranties

Capital One Spark Cash for Business:

Free employee cards
Quarterly and year-end summary and other business tools
Fraud coverage
No foreign-transaction fees
Purchase security
Price protection
Premium travel benefits
Visa Signature Concierge
Lost luggage reimbursement

11. Customer Experience:

AmEx Blue Business Cash:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.3/5
Apple Store mobile app rating: 4.9/5

Capital One Spark Cash for Business:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.7/5
Apple Store mobile app rating: 4.6/5

12. Foreign Transaction Fee:

AmEx Blue Business Cash:

2.7%.

Capital One Spark Cash for Business:

None

13. Get Amex Blue Business Cash Card:

If you are interested in simple reward card with no annual fee.
If you are interested in 0% intro apr offer.
If you want card with flexible credit limit.
If you spend less than $50000 a year on wide range of categories.

14. Get Capital One Spark Cash For Business Card:

If you want a $500 sign up bonus.
If you like simple cash back over points and miles.
If you want card with no foreign transaction fee.
If you spend enough to cover annual fee.

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