Capital One Spark Cash Plus vs American Express Business Gold Business Credit Card Comparison
Updated August 6, 2026 · Representative rates from current offers
Monthly spend
Model your real wallet
Total: $1,550/mo
Capital One Spark Cash Plus | American Express Business Gold Best value | |
|---|---|---|
| Net annual value | +$269/yr | +$1,462/yr |
| Annual fee | $150/yr | $375/yr |
| Rewards rate | Varies by category | Varies by category |
| Sign-up bonus | $500 | $4,000 |
| 0% intro APR | 500 months | 4000 months |
| Regular APR | 25.74% | 17.74% |
| Credit tier | 720+ score | 700+ score |
| Best for | Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months | As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards Points after spending $15,000 in eligible purchases on your new Card in your first 3 month |
See offer → You'll leave SwitchWize. Verify terms with the issuer. | See offer → You'll leave SwitchWize. Verify terms with the issuer. |
Net annual value
+$269/yr
- Annual fee
- $150/yr
- Rewards rate
- Varies by category
- Sign-up bonus
- $500
- 0% intro APR
- 500 months
- Regular APR
- 25.74%
- Credit tier
- 720+ score
- Best for
- Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value
+$1,462/yr
- Annual fee
- $375/yr
- Rewards rate
- Varies by category
- Sign-up bonus
- $4,000
- 0% intro APR
- 4000 months
- Regular APR
- 17.74%
- Credit tier
- 700+ score
- Best for
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards Points after spending $15,000 in eligible purchases on your new Card in your first 3 month
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value = (monthly spend × rewards rate × 12) + sign-up bonus ÷ 3 years − annual fee. Estimates only — actual value varies by spend and redemption. Full rewards calculator →
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile. Confirm the current terms on each provider’s site before applying.
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FAQ
Is Capital One Spark Cash Plus or American Express Business Gold better?
It depends on your spending. Compare the annual fee, rewards rate, and sign-up bonus in the table above, then model your real spend to see which card earns more.
Are these business credit card rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, and creditworthiness. Always get a personalized quote before applying.
Can I apply to both?
You can, but multiple card applications in a short window can lower your score. Prequalify where possible and apply to your top choice.