Ink Business Unlimited® vs Capital One Spark Cash Plus
Side-by-side comparison
| Ink Business Unlimited® | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | $2,000 cash back | |
| Advertising | 1.5% | 2% |
| Shipping | 1.5% | 2% |
| Office supplies | 1.5% | 2% |
| Phone & internet | 1.5% | 2% |
| Travel | 1.5% | 2% |
| Everything else | 1.5% | 2% |
| Est. yearly rewards* | $675 | $900 |
| 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 Unlimited® earns about $675 a year in rewards and the Capital One Spark Cash Plus about $900, valuing every point at a flat 1 cent. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Spark Cash Plus delivers more total value, about $75 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Unlimited®, Capital One for the Capital One Spark Cash Plus. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. Note that Ink Business Unlimited® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Spark Cash Plus if your spending leans toward advertising, shipping, office supplies.