Key takeaways
- The Capital One Spark Money Plus and American Specific Blue Enterprise Money™ Card are among the many high selections for enterprise bank cards.
- The Spark Money Plus is a cost card with a $250 annual charge, however the further prices might repay given the cardboard’s excessive incomes potential.
- The Amex Blue Enterprise Money doesn’t have an annual charge, however presents an introductory APR and the chance to earn an equally excessive price of two p.c money again on eligible purchases of as much as $50,000 per yr.
The Capital One Spark Money Plus and American Specific Blue Enterprise Money™ Card are among the many high selections in terms of enterprise bank cards. The Spark Money Plus is a cost card, that means you pay the stability off in full every month, whereas the Blue Enterprise Money is a conventional enterprise bank card.
Each supply a neat slate of perks that may be useful for enterprise house owners. Nonetheless, the Capital One Spark Money Plus comes with some engaging options that give it a slight edge on this specific match-up.
Take a deep dive into the options of every card and the way they stack up in opposition to one another.
Essential particulars
| Capital One Spark Money Plus | The American Specific Blue Enterprise Money™ Card | |
|---|---|---|
| Welcome bonus | One-time money bonus of $2,000 money again when you spend $30,000 within the first 3 months Further $2,000 for each $500,000 spent after through the first yr |
$250 assertion credit score after you make $3,000 in purchases in your card in your first 3 months |
| Annual bonus | Annual charge refund yearly you spend not less than $150,000 | None |
| Rewards price |
|
|
| Intro APR supply | N/A | 0% on purchases for 12 months from date of account opening |
| Variable APR | N/A (it’s a cost card) | 17.99% – 25.99% Variable |
| Annual charge | $150 | No annual charge |
Capital One Spark Money Plus vs. American Specific Blue Enterprise Money highlights
Right here’s a head-to-head breakdown of which card presents the most effective worth throughout essential bank card classes.
Welcome bonus winner
Annual charge winner
Rewards price winner
Overseas transaction charge winner
Intro APR supply winner
Which card earns probably the most?
Capital One Spark Money Plus vs. American Specific Blue Enterprise Money spending instance
If you happen to don’t anticipate to spend greater than $50,000 per yr, each playing cards supply the identical amount of money again assuming an identical spending. However the Spark Money Plus has the potential to supply extra worth because of the elevated welcome bonus and annual bonus.
If you happen to try the totally different spending ranges within the first yr of proudly owning the cardboard, you’ll discover that even at $50,000 in annual spending, the Spark Money Plus wins out. Though you’ll have to issue within the annual charge, the cardboard nonetheless has the potential to earn $600 extra in rewards in comparison with the Amex Enterprise Blue Money.
| Capital One Spark Money Plus | Amex Blue Enterprise Money | |||||
|---|---|---|---|---|---|---|
| Annual spending | $50,000 | $150,000 | $200,000 | $50,000 | $150,000 | $200,000 |
| Rewards quantity | $1,000 | $3,000 | $4,000 | $1,000 | $2,000 | $2,500 |
| Welcome bonus | $2,000 | $2,000 | $2,000 | $250 | $250 | $250 |
| Annual bonus | – | Annual charge reimbursement | Annual charge reimbursement | – | – | – |
| Annual charge | -$150 | -$0 | -$0 | – | – | – |
| Whole | $2,850 | $5,150 | $6,150 | $1,250 | $2,250 | $2,750 |
The distinction in rewards turns into extra apparent as your spending will increase, with the Capital One Spark incomes a whopping $2,300 greater than the Blue Enterprise Money when you get to $200,000 in annual spending. That $50,000 cap on 2 p.c money again with the Blue Enterprise Money actually limits how a lot enterprise house owners can earn compared to the Spark Money Plus.
However what occurs after the primary yr, when there are not any welcome bonuses? On the $50,000 stage, the annual charge places the Capital One Spark Plus Money only a tad behind the Blue Enterprise Money in web rewards. However because the spending will increase, the Spark Money Plus wins out once more.
| Capital One Spark Money Plus | Amex Blue Enterprise Money | |||||
|---|---|---|---|---|---|---|
| Annual spending | $50,000 | $150,000 | $200,000 | $50,000 | $150,000 | $200,000 |
| Rewards quantity | $1,000 | $3,000 | $4,000 | $1,000 | $2,000 | $2,500 |
| Welcome bonus | – | – | – | – | – | – |
| Annual bonus | – | Annual charge reimbursement | Annual charge reimbursement | – | – | – |
| Annual charge | -$150 | -$0 | -$0 | – | – | – |
| Whole | $850 | $3,150 | $4,150 | $1,000 | $2,000 | $2,500 |
Why must you get the Capital One Spark Money Plus?
Along with its beneficiant welcome bonus, potential annual bonus, limitless money again and lack of international transaction charges, there are extra options and advantages that make this card in style with enterprise house owners.
Why must you get the American Specific Blue Enterprise Money?
Whether or not this card is correct for your small business is determined by whether or not you’re more likely to spend lower than $50,000 per yr and your redemption possibility preferences. However for a no-annual-fee card, there’s nonetheless sufficient right here for enterprise house owners who desire a lower-risk entry into an Amex enterprise bank card account.
The underside line
The Capital One Spark Money Plus and American Specific Blue Enterprise Money are formidable contenders within the enterprise bank card area, each providing rewards and versatile credit score limits. However the similarities cease there: If you happen to plan to spend greater than $50,000 every year, the Capital One Spark Money Plus might provide the likelihood to earn much more rewards. Even with the $150 annual charge, the bells and whistles provided with the Spark Money Plus could make it properly price it.
Nonetheless, in the event you’re simply beginning out and plan to spend underneath $50,000 yearly, the no-annual-fee Amex Blue Enterprise Money is a decent possibility. Simply don’t be shocked if you find yourself outgrowing this card.
