Ultimately, if you think you’d like to keep looking before making a decision about any of the Capital One Spark business cards, you’re going to want to know where to continue your search.
Generally, the top alternatives to Capital One are going to be business credit cards from Chase or American Express.
First, the Chase Ink suite consists of three small business credit cards—Chase Ink Cash, Chase Ink Unlimited, and Chase Ink Preferred.
Whether the card offers cash back or rewards points, the reward programs of both the Ink Cash and Ink Preferred will come in tiers. In contrast to the Spark business cards, which offer flat-rate, unlimited rewards, the Ink Cash and Ink Preferred will reward your spending at rates that will depend on what exactly you’re spending on. This being said then, these tiered rewards rates could be ideal for businesses that do a lot of spending in typical small business categories—like travel, shipping, and communication services.
With the American Express business cards, on the other hand, there is a much wider variety of options. Amex has 15 different business credit cards, from options like the Blue Business Plus, that are similar to the Chase and Capital One cards, to business charge cards with high annual fees and luxury perks. If you’re looking to explore all of the possible combinations of features, fees, and rewards programs, you might check out the various American Express business credit card options.