Capital One Spark 2% Cash Plus vs. Capital One Spark 2X Miles for Business

The Capital One Spark Miles for Business card is the clear winner in this category because the annual fee is $0 intro for first year; $95 after that (See rates and Fees) as opposed to the Spark Cash Plus card’s $150 annual fee (See rates and Fees).

With the Capital One Spark Cash Plus, you’ll break even each year if you make at least $7,500 worth of purchases (which earns $150 in cash back). You can also get your annual fee refunded if you spend at least $150,000 on the card during that year (See rates and Fees).

With the Capital One Spark Miles for Business, you’ll have to spend at least $4,750 per year (worth about $95 in miles earned) to cover the annual fee. However, the Capital One Spark Miles for Business doesn’t offer an ongoing annual fee refund (apart from the $0 introductory annual fee for the first year) like the Capital One Spark Cash Plus does.