chase spark business login

Capital One Spark Business Visa Login for Online. 8 hours agoThe Chase Ink Business Preferred and the Capital One Spark Cash Plus provide a match up. Capital One pulls all three bureaus and they report business cards to personal report. My which Chase did once, and went sole prop. and approved). Best for business owners with fair credit. Rewards rate: 1 percent unlimited cash back for all business purchases; Welcome offer: N/A; Annual fee: $0.

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Spark Business Checking Login

Login page for spark business checking login is presented below. Log into spark business checking login page with one-click or find related helpful links.

Last Updated: 30th August, 2021

Spark Business Unlimited Checking - Capital One

Spark Business Unlimited Checking - Capital One  

https://www.capitalone.com/small-business-bank/checking-accounts/unlim...

With Capital One®, get more from your business checking account. Get unlimited monthly transactions to support your small business needs with Spark® ...

Sign In    Views: 75</small><p>Total Number of links listed: 7</p><p>Are you looking for Visa Business Login? Now get all the access to your account in one-click using the official links provided below:</p><p>Tags: visabusiness</p><div><h3>Login - Visa Business Solutions</h3><small>https://commercial.visaonline.com/?logoff=1</small><p>The information furnished herein is CONFIDENTIAL and is to be used solely for the support of clients' Visa programs. This information shall not be duplicated, published, or disclosed in whole, or in part, without the prior written permission of Visa.</p><p><b>Status</b>: Online </p></div><div><h3>Ink Business  Credit Cards  Chase.com</h3><small>https://creditcards.chase.com/ink-credit-cards</small><p>Ink Business Credit Cards offer a variety of perks to help your business grow! Compare Business Preferred vs. Business Cash to determine the best for you.</p><p><b>Status</b>: Online </p></div><div><h3>Spark Business - Login</h3><small>https://sparkbusiness.capitalone.com/</small><p>Sign in to access Spark Business online banking. Use your User ID and Password to sign in on desktop or mobile devices.</p><p><b>Status</b>: Online </p></div><div><h3>Log In - Visa Business School</h3><small>https://www.visabusinessschool.com/en/account/login</small><p>BID stands for Business ID and is an 8-digit number that Visa assigns to client institutions and that is used to identify the institution to Visa. If you do not know your BID, please contact your Visa representative. If you are not employed by an institution that has a Visa BID, you cannot register for the Visa Business School. ×</p><p><b>Status</b>: Online </p></div><div><h3>Visa Online</h3><small>https://www.visaonline.com/</small><p>Who Should Use Visa Online? It's for financial institutions, payment product processors and others doing business with Visa. Find information and tools to help you manage and grow your Visa business. Define secure and reliable processing solutions. Explore resources for other Visa business clients and partners.</p><p><b>Status</b>: Online </p></div></div>Источник: https://logindetail.com/login/visa-business-login</div>  MySpark   Spark NZ

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Contents

The Offer

Targeted offer, no direct link

  • Receive a sign up bonus of $1,000 after $10,000 in spend within the first three months on the Spark Cash Visa for Business Card from Capital One

Card Details

  • Card earns 2% cash back on all purchases
  • Annual fee of $59 is waived first year
  • No foreign transaction fees

Our Verdict

Public bonus has been $500 for a long time. The big downside to Capital One is that they pull all three credit bureaus when you apply for one of their cards. You should be able to apply for this and other Capital One cards in the same day and get the inquiries merged. You can read more about Capital One cards here. Even if you just apply for this card in isolation I think it’s worth it, basically works out to be $1,200 for $10,000 in spend or $400 per inquiry. Shame it’s a targeted offer.

Hat tip to reader Sam T

Источник: https://www.doctorofcredit.com/targeted-capital-one-spark-cash-visa-business-card-1000-sign-bonus/

We Compared the Capital One Spark Cash and Chase Ink Cash. Here’s How to Choose the Right One for You

We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.

Using a cash back credit card for your business or side hustle is an effective way to earn back a percentage of your spending. Many business credit cards offer 1% to 5% back on the things you buy for your business, and this can truly be “free money” if you avoid interest charges and pay your credit card bill in full each month.

The Ink Business Cash® Credit Card and the Capital One Spark Cash for Business are among our picks for the best business credit cards. Both offer various rewards and benefits at different price points; which is right for you depends on your business and its expenses. 

Here’s how the Ink Business Cash Card and Capital One Spark Cash for Business stack up against each other. 

Side-by-Side Comparison: Capital One Spark Cash for Business vs. Ink Business Cash

Capital One Spark CashInk Business Cash
Annual Fee$0 for first year, then $95 $0
Welcome OfferEarn $500 back after you spend $4,500 within three months of account openingEarn $750 back after you spend $7,500 within three months of account opening
RewardsUnlimited 2% cash back on every purchase• 5% cash back on the first $25,000 combined annual spending at office supply stores and on internet, cable, and phone services 

• 2% cash back on the first $25,000 combined annual spending at gas stations and restaurants

• 1% cash back on everything else
Other Benefits• Free cards for employees

• Roadside assistance

• Extended warranty protection

• Your choice of monthly due date

• Ability to download your records into common business accounting programs like Quicken, Quickbooks and Excel
• Free cards for employees

• Auto rental collision damage

• Travel and emergency assistance services

• Roadside dispatch

• Fraud protection

• Purchase protection

• Extended warranty protection

Bonus Comparison

The Ink Business Cash Card’s sign-up bonus is $750 bonus cash back after you spend $7,500 on purchases in the first three months from account opening. However, it requires you to spend a higher amount compared to the Capital One Spark Cash for Business, so your monthly business spending should total $2,500 or more in order to meet the threshold for that bonus.

The sign-up bonus for the Capital One Spark Cash for Business is lower, but also easier to earn: $500 bonus cash back if you spend $4,500 on purchases within three months from account opening. 

If you compare the two, the Capital One Spark Cash for Business is a winner if you want to spend less to earn the bonus. But you’ll ultimately earn a higher bonus with the Ink Business Cash Card if you can meet the higher spending requirement — but you should only do that if it fits within your normal business spending already.

Rewards Comparison

The Capital One Spark Cash for Business is best for business owners looking for simple rewards on their spending. You earn a flat 2% cash back on every purchase, and your cash rewards never expire. And here’s the real kicker: there’s no limit to how much you can earn and no minimum amount needed to redeem.

There is one key caveat with the Capital One Spark Cash for Business: You’ll need to spend at least $4,750 each year ($395 each month) for your rewards to clear the annual fee cost before this card’s real value kicks in. 

The Ink Business Cash’s biggest draw is its cash rewards, but it’s a little more nuanced. You earn 5% cash back on the first $25,000 combined annual spending at office supply stores and on phone, internet, and cable services; 2% cash back on the first $25,000 combined annual spending at gas stations and restaurants; and 1% unlimited cash back on everything else. 

Any points you earn using the Ink Business Cash Card are redeemable through Chase Ultimate Rewards, where your points are worth 25% more for certain redemptions, like travel booked through Chase Ultimate Rewards (1.25 cents per point) or Chase’s Pay Yourself Back (1.25 cents per point). 

APRs

The regular variable APR is 20.99% for the Capital One Spark Cash for Business, which is on the higher end for a business credit card. The Ink Business Cash Card, on the other hand, charges 0% APR on purchases for 12 months, followed by the regular variable APR of 13.24% to 19.24%. The 0% introductory APR on the Ink Business Cash Card makes it an attractive option for business owners looking to save on interest for purchases in the first year, especially if they’re starting a new business with upfront costs or have a large business purchase coming up.

Pro Tip

Avoid carrying a balance on a business credit card. If you do, the high variable interest rate the card charges will wipe out your rewards.

Fees

You’ll never have to pay an annual fee for the Ink Business Cash Card, but that’s not the case for the Capital One Spark Cash for Business. The annual fee for Capital One Spark Cash for Business is $0 for the first year, then $95. Assess your business’s budget before applying to the Capital One Spark Cash for Business to make sure you spend enough to earn back the ongoing $95 annual fee.

Other than that, fees on these cards are fairly similar. If you’re looking to transfer a balance, you’ll end up paying a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, on the Ink Business Cash Card. The Capital One Spark Cash for Business isn’t allowing balance transfers right now, so if you’re looking to consolidate high-interest debt, explore the best balance transfer credit cards from other issuers on the market today.

In terms of cash advances, the Ink Business Cash Card charges a fee of $15 or 5% of the transaction, and the Capital One Spark Cash for Business’s cash advance fee is $10 or 3% (whichever is greater for both cards). The Capital One Spark Cash for Business, like all Capital One cards, doesn’t have a foreign transaction fee, but the Ink Business Cash Card does charge a 3% fee on purchases made outside the U.S.

Capital One Spark Cash for Business

Capital One Spark Cash for Business

Editor’s Score:(4.0/5)
Editor’s Score: (4.0/5)
other fees penalties:3.5
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
    $0 intro for first year; $95 after that
  • Regular APR:
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn moreAt our partner’s secure site
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Editor’s Score:(4.0/5)
Editor’s Score: (4.0/5)
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply NowAt Chase’s secure site
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Editor’s Score:(4.1/5)
Editor’s Score: (4.1/5)
other fees penalties:3.5
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
  • Regular APR:
    15.99% to 20.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply NowAt Chase’s secure site

Deciding Between Capital One Spark Cash for Business and Ink Business Cash

The Ink Business Cash Card and Capital One Spark Cash for Business can both offer good value depending on the nature of your business and its expenses. The Ink Business Cash Card is a good beginning business choice because it has no annual fee and offers 5% cash back for common business expenses, like office supplies and internet services.

If your business spending doesn’t align with the Ink Business Cash Card’s bonus categories, however, you’re looking at a mediocre 1% cash back rate on your purchases. In that case, you’re better off with the Capital One Spark Cash for Business. 

With the Capital One Spark Cash for Business, you can rack up unlimited 2% back for every dollar you spend on your business. This card is a great option for business owners who prefer an easy, straightforward rewards program, and especially for sole proprietors or freelancers whose expenses don’t fit into traditional business card categories.

Before applying, evaluate your business budget and take a little time to compare how each of these cards could fit into your business spending plan.

Источник: https://time.com/nextadvisor/credit-cards/comparisons/capital-one-spark-cash-vs-chase-ink-cash/
chase spark business login Spark NZ  

https://www.spark.co.nz/myspark

Want to watch all 48 of the Rugby World Cup™ 2019 matches with Spark NZ? Get rugby ready by checking your . Small Business . Use MySpark online or in .

Capital One Spark Business Checking [Review]: For Small .

Capital One Spark Business Checking [Review]: For Small .  

https://ptmoney.com/capital-one-spark-business-checking-review/

2019/05/21  · Potential Downsides of Capital One Spark Business Checking. Though chase spark business login Spark Business Checking account is a solid choice for most small business owners, the fact that free cash deposits are limi.

Capital One Spark Business Checking Account Review

Capital One Spark Business Checking Account Review  

https://www.bankdealguy.com/capital-one-spark-business-checking-accoun.

2018/04/29  · The Capital One® Spark® Cash Select for Business offers a one-time $200 cash bonus chase spark business login you spend $3,000 on purchases within 3 months from account opening. You'll earn an unlimited 1.5% cash b.

Capital One Spark Business Checking Account Review

Capital One Spark Business Checking Account Review  

https://www.consumerismcommentary.com/capital-one-spark-business-check.

2019/07/28  · The Capital One Spark Business Savings Account is one of the better business savings accounts around and we’ll take a look at how it can help (and possibly hurt) your small business. Spark Int.

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Capital One Spark Business Checking Review  

https://www.bankcheckingsavings.com/capital-one-spark-business-checkin.

2018/12/20  · The Capital One Spark Business Checking may very well be one of the highest satisfactory Free Business Checking accounts out there. With an expected no monthly account service fee or minimum bal.

No preview available yet

The Best Business Checking Accounts for Small Business .  

https://www.fundera.com/business-bank-accounts/checking

The Chase Total Business Checking account is a small business checking account through-and-through. This business checking account comes with the low service fees and the low account balance threshold for waivi.

Источник: https://loginii.com/spark-business-checking
Spark NZ">

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Capital One® Spark® Cash Select for Business

Overall card rating

2.5

from Credit Karma members

Most helpful positive review

Approved for 2K

Credit Karma Member

CK 650, Vantage 750. All 3 major credit scores are a little below 700. Applied and got instant approval for $2K. I was expecting a little more than this. Not sure if they will give me a CLI in a few months but $2K is nothing. Would like to hear from CK members who have this cards regarding initial credit limit and CLI. Thanks

Most helpful negative review

AVOID! Goes on your personal credit!

Credit Karma Member

This will go on your personal credit report and TANK YOUR SCORE as you use this for your business! Get something different!!!

Member ratings

All member reviews (10)

Great atoz amazon work login, low limit

Credit Karma Member

As soon as I got approved, the card immediately got added to my CapitalOne app, so I was able to use the card immediately! I literally bought a new laptop for my business within 5 minutes of approval without receiving the actual card, so I was earning cash back within minutes! I've never expereinced that before! Cash back is immediate and flexible, and the current $200 sign-up bonus is legit. On the negative, they used my lowest credit score for approval- my FICO BankCard 3 Score, which was the lowest of the dozens of scores that MyFICO monitors, so I only got approved with a $5000 limit. Also, this chase spark business login will show up on your personal credit, so there's truly not a lot of benefit besides increasing your available credit and a nice sign-up bonus. These CapitalOne Spark cards really are not business cards at all, but sign-up bonuses and immediate cashback are hard to beat!

Card goes on your personal credit,BEWARE

Credit Karma Member

I love the card, the services they provide, the notifications, phone app, and web portal for this card. I love everything about it EXCEPT that it goes on your personal credit. So when you make large purchases (common in the line of business I do, real estate), it tanks my PERSONAL score temporarily until I pay it off. Not cool at all. I intend on keeping the card, but I plan to shift my primary business purchases to another card, I can't afford to have my credit take hits like that (sometimes double digits) because I make legitimate business purchases.

Best Card I had sofar

Credit Karma Chase spark business login puzzles me why other people give this card such a low rating. I had nothing but GOOD EXPERIENCES with CapitalOne. I pay my card on time and there is nothing more to it. When it came to unauthorized use, CapitalOne was right on it, sometimes even alerted me before I noticed. Can only recommend.

It???s going to effect your Personal score

Credit Karma Member

I have this Business card for my business & it's showing in my credit & decrease my personal credit score, what the point getting business card when your personal score goes down.

AVOID! Goes on your personal credit!

Credit Karma Member

This will go on your personal credit report and TANK YOUR SCORE as you use this for your business! Get something different!!!

Terrible Card

Credit Karma Member

Reports to your personal credit report.

Worst Credit Decision Ever

Credit Karma Member

Applied for Credit Card with over 760 score. Denied! What? My Capital One Card has a credit limit of $10,000. My business in perfect standing (4 years). They ruin your Credit! Customers are right-this is not a business credit card -its a personal card with your business name. Not reccomended!

Credit Karma Member

That's not a business card! The only difference is company name on it. They report every month the credit amount you use for your business on your personal credit. After I figured that I stopped using it. Terrible!

Useful for 2% cash back for business

Credit Karma Member

I got this card last year for our small business and while it does have a limited CL of $2,500for us that isn't much of a problem as I pay it off twice a month online anyways. The annual fee is a bit of a drag though.

Approved for 2K

Credit Karma Member

CK 650, Vantage 750. All 3 major credit scores are a little below 700. Applied and got instant approval for $2K. I was expecting a little more than this. Not sure if they will give me a CLI in a few months but $2K is nothing. Would like to hear from CK members who have this cards regarding initial credit limit and CLI. Thanks

See Approval Odds before you apply

We’ll estimate your chances of approval based on your credit profile. Join today — it’s free! You’ll also get:

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  • Credit scores and reports

  • Credit monitoring

  • Personalized recommendations

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Источник: https://www.creditkarma.com/reviews/credit-card/single/id/CCCapitalOne649

Contents

The Offer

Targeted offer, no direct link

  • Receive a sign up bonus of $1,000 after $10,000 in spend within the first three months on the Spark Cash Visa for Business Card from Capital One

Card Details

  • Card earns 2% cash back on all purchases
  • Annual fee of $59 is waived first year
  • No foreign transaction fees

Our Verdict

Public bonus has been $500 for a long time. The big downside to Capital One is that they pull all three credit bureaus when you apply for one of their cards. You should be able to apply for this and other Capital One cards in the same day and get the inquiries merged. You can read more about Capital One cards here. Even if you just apply for this card in isolation I think it’s worth it, basically works out to be $1,200 for $10,000 in spend or $400 per inquiry. Shame it’s a targeted offer.

Hat tip to reader Sam T

Источник: https://www.doctorofcredit.com/targeted-capital-one-spark-cash-visa-business-card-1000-sign-bonus/

Capital One Spark Miles For Business 50,000 Bonus Miles ($700 Value)

Contents

The Capital One Spark Miles for Business card offers one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

We value these 50k miles at around $700 when you use Capital One’s 10+ transfer partners. Compare it to other business card offers here.

This card earns unlimited 2X miles per dollar on every purchase, and miles won’t expire for the life of the account. You’ll earn 5X miles on hotel and rental car bookings through Capital One TravelSM using the card.

The Spark Miles card now lets you transfer your miles to over a dozen airline partners. So it’s a good option for small business owners looking for flexible rewards for their company expenses.

Capital One offers several “Spark” business cards. Their “Spark Cash” products will earn rewards at a similar rate to their “Spark Miles” counterparts.

Capital One Spark Business Cards Compared
Capital One Spark Cash for Business Card
after you spend $4,500 w/in
the first 3 months
Capital One Spark Cash Select for Business
after you spend $4,500 w/in
the first 3 months
Capital One Spark Miles for Business Card
after you spend $4,500 w/in the first 3 months
Capital One Chase spark business login Miles Select for Business
after you spend $3,000 w/in
the first 3 months

Want the most bang for your buck? Then consider a travel rewards card with bonus categories instead.

*The Spark Miles card is issued by Capital One. Capital One also offers great sign-up bonuses for its Checking/Savings accounts.

Our Current Top Promotions
Editor’s Alternate Pick

INK BUSINESS PREFERRED® CREDIT CARD

ink-business-preferred-credit-card-card-art

The Ink Business Preferred® Credit Card from Chase has a new cardmember offer for 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after opening.

These bonus points are worth $1,250 towards travel when you redeem through Chase Ultimate Rewards. Or, transfer points over to Ultimate Rewards travel partners to potentially get even more value – up to an average $2,000 for 100k points. Read more about this here.

This card earns 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. You’ll earn unlimited 1 Point Per $1 spent on all other purchases.

The Ink Business Preferred® Credit Card earns Ultimate Rewards points. This makes it a great choice for pairing with the non-business Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. You’ll be able to pool points together for faster rewards.

This card has a $95 annual fee.

Learn More

Capital One Spark Miles 50,000 Bonus Miles

Take advantage of the Spark Miles card’s offer for 50,000 bonus miles. My valuation puts these points at around $700 in value (more on that below).

Earn the bonus miles once you spend $4,500 on purchases within the first 3 months from account opening.

Here are some ideas on meeting the spending requirement:

What Are Spark Miles Worth?

Like many other travel rewards cards, your miles’ worth depends on how you use them. On average, each Spark mile is worth up to $0.014 when you take advantage of their transfer partners. That’s a good value considering the average across different rewards cards is just $0.01 per point.

You can use your Spark miles for:

  • Travel purchases booked through Capital One
  • Statement credits towards travel purchases
  • Gift cards

Or transfer your rewards to a Capital One airline partner. This gives the most value for your Spark miles, but it will take a bit of legwork on your part.

The second best use for your miles is to redeem them for new or previous travel purchases. Both will get you $0.01 per mile.

I don’t recommend using your miles for gift cards as it devalues your rewards to below $0.01 per mile.


Bottom Line

The Spark Miles for Business credit card from Capital One offers simple, unlimited, flat-rate rewards. It’s a great fit if you don’t want to keep track of bonus categories. Plus, the addition of airline transfer partners makes this business travel rewards card that much more valuable.

But if you’re looking for better rewards on travel, you’ll want to consider aol email account password reset options with bonus categories.

TOP PAGES AT MONEYSMYLIFE

Filed Under: Credit Card Bonuses, Credit CardsTagged With: capital one, spark miles

Источник: https://www.moneysmylife.com/spark-miles-business/
MySpark

We Compared the Capital One Spark Cash and Chase Ink Cash. Here’s How to Choose the Right One for You

We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.

Using a cash back credit card for your business or side hustle is an effective way to earn back a percentage of your spending. Many business credit cards offer 1% to 5% back on the things you buy chase spark business login your business, and this can truly be “free money” if you avoid interest charges and pay your credit card bill in full each month.

The Ink Business Cash® Credit Card and the Capital One Spark Cash for Business are among our picks for the chase spark business login business credit cards. Both offer various rewards and benefits at different price jp morgan access which is right for you depends on your business and its expenses. 

Here’s how the Ink Chase spark business login Cash Card and Capital One Spark Cash for Business stack up against each other. 

Side-by-Side Comparison: Capital One Spark Cash for Business vs. Ink Business Cash

Capital One What time does the chase bank close on sunday CashInk Business Cash
Annual Fee$0 for first year, then $95 $0
Welcome OfferEarn $500 back after you spend $4,500 within three months of account openingEarn $750 back after you spend $7,500 within three months of account opening
RewardsUnlimited 2% cash back on every purchase• 5% cash back on the first $25,000 combined annual spending at office supply stores and on internet, cable, and phone services 

• 2% cash back on the first $25,000 combined annual spending at gas stations and restaurants

• 1% cash back on everything else
Other Benefits• Free cards for employees

• Roadside assistance

• Extended warranty protection

• Your choice of monthly due date

• Ability to download your records into common business accounting programs like Quicken, Quickbooks and Excel
• Free cards for employees

• Auto rental collision damage

• Travel and emergency assistance services

• Roadside dispatch

• Fraud protection

• Purchase protection

• Extended warranty protection

Bonus Comparison

The Ink Business Cash Card’s sign-up bonus is $750 bonus cash back after you spend $7,500 on purchases in the first three months from account opening. However, it requires you to spend a higher amount compared to the Capital One Spark Cash for Business, so your monthly business spending should total $2,500 or more in order to meet the threshold for that bonus.

The sign-up bonus for the Capital One Spark Cash for Business is lower, but also easier to earn: $500 bonus cash back if you spend $4,500 on purchases within three months from account opening. 

If you compare the two, the Capital One Spark Cash for Business is a winner if you want to spend less to earn the bonus. But you’ll ultimately earn a higher bonus with the Ink Business Cash Card if you can meet the higher spending requirement — but you should only do that if it fits within your normal business spending already.

Rewards Comparison

The Capital One Spark Cash for Business is best for business owners looking for simple rewards on their spending. You earn a flat 2% cash back on every purchase, and your cash rewards never expire. And here’s the real kicker: there’s no limit to how much you can earn and no minimum amount needed to redeem.

There is one key caveat with the Capital One Spark Cash for Business: You’ll need to spend at least $4,750 each year ($395 each month) for your rewards to clear capital one secured credit card application form annual fee cost before this card’s real value kicks in. 

The Ink Business Cash’s biggest draw is its cash rewards, but it’s a little more nuanced. You earn 5% cash back on the first $25,000 combined annual spending at office supply stores and on phone, internet, and cable services; 2% cash back on the first $25,000 combined annual spending at gas stations and restaurants; and 1% unlimited cash back on everything else. 

Any points you earn using the Ink Business Cash Card are redeemable through Chase Ultimate Rewards, where your points are worth 25% more for certain redemptions, like travel booked through Chase Ultimate Rewards (1.25 cents per point) or Chase’s Pay Yourself Back (1.25 cents per point). 

APRs

The regular variable APR is 20.99% for the Capital One Spark Cash for Business, which is on walmart tire service near me higher end for a business credit card. The Ink Business Cash Card, on the other hand, charges 0% APR on purchases for 12 months, followed by bb and t regular variable APR of 13.24% to 19.24%. The 0% introductory APR on the Ink Business Cash Card makes it an attractive option for business owners looking to save on interest for purchases in the first year, especially if they’re starting a new business with upfront costs or have a large business purchase coming up.

Pro Tip

Avoid carrying a balance on a business credit card. If you do, the high variable interest rate the card charges will wipe out your rewards.

Fees

You’ll never have to pay an annual fee for the Ink Business Cash Card, but that’s not the case for the Capital One Spark Cash for Business. The annual fee for Capital One Spark Cash for Business is $0 for the first year, then $95. Assess your business’s budget before applying to the Capital One Spark Cash for Business to make sure you spend enough to earn back the ongoing $95 annual fee.

Other than that, fees on these cards are fairly similar. If you’re looking to transfer a balance, you’ll end up paying a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, on the Ink Business Cash Card. The Capital One Spark Cash for Business isn’t allowing balance transfers right now, so if you’re looking to consolidate high-interest debt, explore the best balance transfer credit cards from other issuers on the market today.

In terms of cash advances, the Ink Business Cash Card charges a fee of $15 or 5% of the transaction, and the Capital One Spark Cash for Business’s cash advance fee is $10 or 3% (whichever is greater for both cards). The Capital One Spark Cash for Business, like all Capital One cards, doesn’t have a foreign transaction fee, but the Ink Business Cash Card does charge a 3% fee on purchases made outside the U.S.

Capital One Spark Cash for Business

Capital One Spark Cash for Business

Editor’s Score:(4.0/5)
Editor’s Score: (4.0/5)
other fees penalties:3.5
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
    $0 intro for first year; $95 after that
  • Regular APR:
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn moreAt our partner’s secure site
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Editor’s Score:(4.0/5)
Editor’s Score: (4.0/5)
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
  • Regular APR:
    13.24% – 19.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply NowAt Chase’s secure site
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Editor’s Score:(4.1/5)
Editor’s Score: (4.1/5)
other fees penalties:3.5
Last updated October 4, 2021
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Intro bonus:
  • Annual fee:
  • Regular APR:
    15.99% to 20.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply NowAt Chase’s secure site

Deciding Between Capital One Spark Cash for Business and Ink Business Cash

The Ink Business Cash Card and Capital One Spark Cash for Business can both offer good value depending on the nature of your business and its expenses. The Ink Business Cash Card is a good beginning business choice because it has no annual fee and offers 5% cash back for common business expenses, like office supplies and internet services.

If your business spending doesn’t align with the Ink Business Cash Card’s bonus categories, however, you’re looking at a mediocre 1% cash back rate on your purchases. In that case, you’re better off with the Capital One Spark Cash for Business. 

With the Capital One Spark Cash for Business, you can rack up unlimited 2% back for every dollar you spend on your business. This card is a great option for business owners who prefer an easy, straightforward rewards program, and especially for sole proprietors or freelancers whose expenses don’t fit into traditional business card categories.

Before applying, evaluate your business budget and take a little time to compare how each of these cards could fit into your business spending plan.

Источник: https://time.com/nextadvisor/credit-cards/comparisons/capital-one-spark-cash-vs-chase-ink-cash/

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