Ink Business Cash® vs Capital One Spark Cash Select
Side-by-side comparison
| Ink Business Cash® | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $750 cash back | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 5% | 1.5% |
| Phone & internet | 5% | 1.5% |
| Travel | 1% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $684 | $675 |
| Points type | Pools with Chase → transferable | Pools with Capital One → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Ink Business Cash® earns about $684 a year in rewards and the Capital One Spark Cash Select about $675, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Cash® edges ahead by about $9 a year, mostly because it earns more where you spend most, on office supplies and phone & internet. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Chase for the Ink Business Cash®, Capital One for the Capital One Spark Cash Select. On the sign-up bonus, the Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the Capital One Spark Cash Select if your spending leans toward advertising, shipping, travel.