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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs Chase Ink Business Unlimited

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Chase Ink Business Unlimited card art
Chase Ultimate Rewards
Chase Ink Business Unlimited
Chase
More Info
Annual Fee
$150/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
75,000 points
Spend $6,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • All Purchases 1.5x
Reward Type
cashback
miles
Key Credits
None
  • Instacart Business $20
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
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Common Questions: Capital One Spark Cash Plus vs Chase Ink Business Unlimited

Is the Capital One Spark Cash Plus or Chase Ink Business Unlimited better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Capital One Spark Cash Plus currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). Chase Ink Business Unlimited offers 75,000 pts signup bonus (spend $6,000 in 3 months). Capital One Spark Cash Plus has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

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

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Spark Cash Plus is from Capital One and Chase Ink Business Unlimited is from Chase, so they're governed by separate bank policies.