Chase Ink Enterprise Most popular vs. Capital One Spark Miles for Enterprise: Which card is best for you?
The world of small-business bank cards would not have many premium-card choices. Enterprise homeowners discover that even when a card carries sufficient perks to outweigh its annual price, they may have a tricky time justifying an expense that does not straight develop their backside line.
Nevertheless, loads of nice choices exist for small companies trying to rack up priceless journey rewards on their purchases with out paying a hefty price. Two of those, the Capital One Spark Miles for Enterprise and the Chase Ink Enterprise Most popular Credit score Card, provide entry to an unimaginable assortment of switch companions and spectacular advantages for companies.
Let’s take a look at how these two stack up towards one another and assist you determine which is true for your enterprise.
Ink Enterprise Most popular vs. Spark Miles Enterprise comparability
| Ink Enterprise Most popular | Spark Miles for Enterprise | |
|---|---|---|
| Annual price | $95 | $0 introductory annual price the primary 12 months, then $95 (see charges and costs) |
| Signal-up bonus | Earn 100,000 bonus miles after spending $8,000 on purchases within the first 3 months after account opening | Earn 50,000 bonus miles after spending $4,500 on purchases inside the first 3 months of account opening |
| Bonus classes | Earn 3 factors per greenback on the primary $150,000 spent in mixed purchases on transport, web, cable, telephone companies, promoting purchases with social media websites, search engines like google, and journey.
Earn 5 instances the entire factors on Lyft rides (by means of March 2025) Earn 1 level per greenback on all different purchases |
Earn 5 factors per greenback on motels and rental vehicles booked by means of Capital One Journey
Earn 2 miles per greenback miles on each buy |
| Advantages | Worker playing cards at no extra price
Journey and buy protections Cellphone safety No international transaction charges |
Worker playing cards at no extra price
As much as $100 credit score for TSA PreCheck or International Entry Prolonged guarantee safety No international transaction charges |
Ink Enterprise Most popular vs. Spark Miles Enterprise welcome provide
The Spark Miles for Enterprise gives a welcome bonus of fifty,000 miles after spending $4,500 on purchases inside the first three months of account opening. Though the welcome provide for the cardboard is just not as spectacular as Ink Enterprise Most popular, it solely requires about half the spend. Because of an ample record of switch companions, TPG values Capital One miles at 1.85 cents every, making this bonus price $925.
Like practically each Chase bank card, the Ink Most popular is restricted by the “5/24 rule,” which means you may be routinely rejected in the event you’ve opened 5 or extra bank cards throughout all issuers within the final 24 months.
Winner: Chase Ink Most popular. The 100,000 bonus miles are distinctive for a welcome provide.
Associated: Finest methods to redeem 300,000 Capital One miles
Ink Enterprise Most popular vs. Spark Miles Enterprise advantages
Each of those playing cards carry a $95 annual price (although solely the Spark waives it for the primary 12 months – see Spark Miles charges and costs), and also you usually will not discover many perks on playing cards which might be this low-cost. Nonetheless, every card has advantages price highlighting, along with the truth that neither fees international transaction charges.
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With the Ink Enterprise Most popular, you obtain numerous journey insurance coverage and safety advantages. This makes the Ink Most popular a really perfect card for companies that spend cash on travel-related bills or buying items.
For instance, journey cancellation/interruption Insurance coverage covers as much as $5,000 of protection for pay as you go, nonrefundable journey bills, and journey delay insurance coverage covers journeys delayed for 12 or extra hours by offering as much as $500 in reimbursement. As an Ink Most popular cardholder, paying to your or your workers’ telephone payments offers cellphone safety of as much as $1,000 per declare for injury or theft of cellphones with a restrict of three claims in a 12-month interval, with a $100 deductible per declare.
Then again, the Spark Miles Enterprise card solely gives buy safety and prolonged guarantee safety on purchases, which the Ink Most popular additionally offers. Enterprise homeowners may even profit from a TSA PreCheck/International Entry assertion credit score as much as $100.
Each playing cards additionally enable licensed customers to be added for free of charge, an awesome profit for companies with a number of workers. As a enterprise proprietor, in case your bills are travel-related, the Spark Miles Enterprise card doesn’t present any protections or advantages regardless of offering lounge entry passes and an announcement credit score for expedited airport screening packages.
Winner: Tie. Each playing cards provide advantages that companies discover worth in, whether or not it’s journey protections, assertion credit, or lounge entry.
Incomes factors with the Ink Enterprise Most popular vs. Spark Miles Enterprise
One of many greatest variations between these two playing cards is how they earn rewards to your spending after the preliminary welcome bonus.
- Journey, together with airfare, motels, rental vehicles, trains and taxis
- Delivery purchases
- Web, cable and telephone companies
- Promoting purchases made with social media websites and search engines like google
After that, the cardboard earns 1 level per greenback on all purchases. When you max out this cover yearly, you may stroll away with 450,000 Final Rewards factors (price $9,225 based mostly on TPG’s valuations).
When you do not often spend in these particular classes, you could be higher served by the Spark Miles for Enterprise, which gives a hard and fast 2 miles per greenback on most purchases, an efficient 3.7% return based mostly on our valuations. The cardboard additionally earns an elevated 5 miles per greenback for motels and rental vehicles booked through Capital One Journey.
When you spend loads within the Ink Most popular’s bonus classes, that makes the cardboard a sensible choice. Nevertheless, for a less complicated incomes construction, the Spark Miles comes out forward.
Winner: Tie. Each playing cards have completely different bonus-earning classes, so it is determined by the place you spend your cash.
Associated: The perfect bank cards for on a regular basis spending
Redeeming factors with the Ink Enterprise Most popular vs. Spark Miles Enterprise
Each playing cards earn priceless transferable factors, and it is actually onerous to go unsuitable with the Chase Final Rewards or Capital One Miles ecosystem. Each playing cards earn miles to be transferred to loyalty companions or redeemed by means of the Chase Journey or Capital One Journey portal for airfare, motels and automobile leases. You may additionally earn miles and elite qualifying miles on flights booked this manner.
It is price noting that the Spark Miles for Enterprise nonetheless lets you redeem your miles at a hard and fast price of 1 cent every to guide journey by means of the Capital One portal. Equally, you’ll be able to redeem your Chase factors straight by means of the Final Rewards portal towards airfare and obtain a 25% bonus, giving your factors a price of 1.25 cents every.
Rewards on each playing cards will also be redeemed for assertion credit score and reward card purchases. Nevertheless, this nets a return of simply 1 cent per level and wouldn’t maximize your rewards.
Winner: Tie. Each playing cards provide comparable redemption choices and provides cardholders flexibility.
Transferring factors with the Ink Enterprise Most popular vs. Spark Miles Enterprise
Each playing cards share the next three airline companions:
- Singapore Airways KrisFlyer
- Air France-KLM Flying Blue
- Emirates Skywards
Capital One has 15+ airline and lodge companions to which cardholders can switch miles from their Spark Miles Enterprise for a 1:1 switch ratio throughout most companions.
In the meantime, however, factors from the Ink Enterprise Most popular might be transferred to 14 airline and lodge companions at a 1:1 ratio. I used the welcome provide from the Ink Most popular to switch factors to Singapore KrisFlyer to guide a Singapore Airways A380 business-class ticket.
Winner: Tie. Every card maintains its record of switch companions, which enchantment to various kinds of vacationers.
Ought to I get the Ink Enterprise Most popular or Spark Miles Enterprise?
Backside line
To be taught extra, learn our full critiques of the Ink Enterprise Most popular and Spark Miles for Enterprise.
Apply right here: Ink Enterprise Most popular
Apply right here: Spark Miles for Enterprise
