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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs The Business Platinum Card from American Express

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
The Business Platinum Card from American Express card art
American Express Membership Rewards
The Business Platinum Card from American Express
American Express
More Info
Annual Fee
$150/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
300,000 points
Spend $20,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
Reward Type
cashback
miles
Key Credits
None
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +3 more
Card Perks
None listed
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +5 more
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Capital One Spark Cash Plus vs The Business Platinum Card from American Express

Is the Capital One Spark Cash Plus or The Business Platinum Card from American Express 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). The Business Platinum Card from American Express offers 300,000 pts signup bonus (spend $20,000 in 3 months). The Business Platinum Card from American Express 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 The Business Platinum Card from American Express?

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 The Business Platinum Card from American Express is from American Express, so they're governed by separate bank policies.