Chase Ink Enterprise Most well-liked 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 house owners discover that even when a card carries sufficient perks to outweigh its annual payment, they are going to have a troublesome time justifying an expense that does not instantly develop their backside line.

Nevertheless, loads of nice choices exist for small companies trying to rack up invaluable journey rewards on their purchases with out paying a hefty payment. Two of those, the Capital One Spark Miles for Enterprise and the Chase Ink Enterprise Most well-liked 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 enable you determine which is correct for your online business.

Ink Enterprise Most well-liked vs. Spark Miles Enterprise comparability

Ink Enterprise Most well-liked Spark Miles for Enterprise
Annual payment $95 $0 introductory annual payment 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 yahoo, and journey.

Earn 5 instances the entire factors on Lyft rides (by March 2025)

Earn 1 level per greenback on all different purchases

Earn 5 factors per greenback on inns and rental automobiles booked by Capital One Journey

Earn 2 miles per greenback miles on each buy

Advantages Worker playing cards at no further value

Journey and buy protections

Cellphone safety

No international transaction charges

Worker playing cards at no further value

As much as $100 credit score for TSA PreCheck or World Entry

Prolonged guarantee safety

No international transaction charges

Ink Enterprise Most well-liked vs. Spark Miles Enterprise welcome provide

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

THE POINTS GUY

The Spark Miles for Enterprise presents 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 just isn’t as spectacular as Ink Enterprise Most well-liked, it solely requires about half the spend. Due to an ample checklist of switch companions, TPG values Capital One miles at 1.85 cents every, making this bonus value $925.

Like almost each Chase bank card, the Ink Most well-liked is restricted by the “5/24 rule,” which means you may be mechanically rejected when you’ve opened 5 or extra bank cards throughout all issuers within the final 24 months.

Winner: Chase Ink Most well-liked. The 100,000 bonus miles are distinctive for a welcome provide.

Associated: Greatest methods to redeem 300,000 Capital One miles

Ink Enterprise Most well-liked vs. Spark Miles Enterprise advantages

Each of those playing cards carry a $95 annual payment (although solely the Spark waives it for the primary 12 months – see Spark Miles charges and costs), and also you typically will not discover many perks on playing cards which are this low-cost. Nonetheless, every card has advantages value highlighting, along with the truth that neither costs international transaction charges.

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With the Ink Enterprise Most well-liked, you obtain varied journey insurance coverage and safety advantages. This makes the Ink Most well-liked a 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 well-liked cardholder, paying to your or your workers’ telephone payments gives 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.

CLINT HENDERSON/THE POINTS GUY

However, the Spark Miles Enterprise card solely presents buy safety and prolonged guarantee safety on purchases, which the Ink Most well-liked additionally gives. Enterprise house owners may also profit from a TSA PreCheck/World Entry assertion credit score as much as $100.

Each playing cards additionally enable approved customers to be added without charge, an ideal 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 a press release credit score for expedited airport screening applications.

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 well-liked 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 well-liked presents 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, inns, rental automobiles, trains and taxis
  • Transport purchases
  • Web, cable and telephone companies
  • Promoting purchases made with social media websites and search engines like google and yahoo

After that, the cardboard earns 1 level per greenback on all purchases. In case you max out this cover yearly, you may stroll away with 450,000 Final Rewards factors (value $9,225 based mostly on TPG’s valuations).

MOMO PRODUCTIONS/GETTY IMAGES

In case you do not steadily spend in these particular classes, you is likely to be higher served by the Spark Miles for Enterprise, which presents a set 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 inns and rental automobiles booked through Capital One Journey.

In case you spend rather a lot within the Ink Most well-liked’s bonus classes, that makes the cardboard a good selection. 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 will depend on the place you spend your cash.

Associated: The perfect bank cards for on a regular basis spending

Redeeming factors with the Ink Enterprise Most well-liked vs. Spark Miles Enterprise

Each playing cards earn invaluable transferable factors, and it is actually onerous to go fallacious with the Chase Final Rewards or Capital One Miles ecosystem. Each playing cards earn miles to be transferred to loyalty companions or redeemed by the Chase Journey or Capital One Journey portal for airfare, inns and automobile leases. You may additionally earn miles and elite qualifying miles on flights booked this fashion.

It is value noting that the Spark Miles for Enterprise nonetheless lets you redeem your miles at a set charge of 1 cent every to guide journey by the Capital One portal. Equally, you may redeem your Chase factors instantly by the Final Rewards portal towards airfare and obtain a 25% bonus, giving your factors a worth of 1.25 cents every.

MATTHEW SHAW/HYATT

Rewards on each playing cards may 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 well-liked vs. Spark Miles Enterprise

Each playing cards share the next three airline companions:

  • Singapore Airways KrisFlyer
  • Air France-KLM Flying Blue
  • Emirates Skywards
ZACH GRIFF/THE POINTS GUY

Capital One has 15+ airline and resort companions to which cardholders can switch miles from their Spark Miles Enterprise for a 1:1 switch ratio throughout most companions.

In the meantime, alternatively, factors from the Ink Enterprise Most well-liked could be transferred to 14 airline and resort companions at a 1:1 ratio. I used the welcome provide from the Ink Most well-liked to switch factors to Singapore KrisFlyer to guide a Singapore Airways A380 business-class ticket.

Winner: Tie. Every card maintains its checklist of switch companions, which attraction to various kinds of vacationers.

Ought to I get the Ink Enterprise Most well-liked or  Spark Miles Enterprise?

The Ink Most well-liked is the higher alternative for small-business house owners 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 individuals who desire a easier points-earning construction.

Backside line

The Ink Most well-liked and Spark Miles for Enterprise are invaluable playing cards to assist your online business earn journey rewards in your bills. The primary query to ask your self is whether or not your online business will have the ability to hit the spending requirement of the Ink Most well-liked or when you choose spending much less for the Spark Miles for Enterprise card. Exterior of that, it is as much as you to determine which card can 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 presents switch companions higher suited to your journey wants.

To be taught extra, learn our full evaluations of the Ink Enterprise Most well-liked and Spark Miles for Enterprise.


Apply right here: Ink Enterprise Most well-liked

Apply right here: Spark Miles for Enterprise


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