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 Ink Enterprise Most popular is providing 100,000 bonus factors after you spend $8,000 on purchases within the first three months, price $2,050 based mostly on TPG’s valuations.


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.

The Ink Enterprise Most popular gives 3 factors per greenback (a 6% return based mostly on TPG’s valuations) in your first $150,000 in mixed annual spending throughout the next bonus classes:

  • 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?

The Ink Most popular is the higher selection for small-business homeowners who wish to max out the cardboard’s bonus classes and pool factors with different Chase playing cards they have already got of their pockets. Conversely, the Spark Miles for Enterprise is good for many who need a less complicated points-earning construction.

Backside line

The Ink Most popular and Spark Miles for Enterprise are priceless playing cards to assist your enterprise earn journey rewards in your bills. The primary query to ask your self is whether or not your enterprise will be capable to hit the spending requirement of the Ink Most popular or in the event you want spending much less for the Spark Miles for Enterprise card. Outdoors of that, it is as much as you to determine which card will likely be extra rewarding to your ongoing spending — 3 factors per greenback in your first $150,000 in choose enterprise classes or 2 miles per greenback on all purchases — and which program gives switch companions higher suited to your journey wants.

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

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