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Home Business Credit Card Rewards Calculator

Capital One Spark 2% Cash Plus vs Chase Ink Business Unlimited Card 2023

In head-to-head competition, which of these rewards credit cards wins out? Here’s what each has to offer and how they fare when put to the ultimate test — the cash back you’ll earn for using them.

Capital One Spark 2% Cash Plus
Earn 2% unlimited cash back on all purchases, plus 5% cash back on hotels and rental cars booked through Capital One Travel.

Chase Ink Business Unlimited Card
Earn unlimited 1.5% cash back rewards on every purchase. 0% intro APR for 12 months from account opening on purchases. New cardmember offer: $750 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.

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Monthly Spend

Spend Categories expand_more

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dining Dining

local_gas_station Gas

monetization_on Other

card_travel Travel

phone_iphone Cell Phones

print Office Supplies

Calculate Cash Back

Capital One Spark 2% Cash Plus

Cash Back Per Year

$...

Annual Fee

$150

Welcome Bonus

1000

Apply Now on Capital One's secure website

Chase Ink Business Unlimited Card

Read review

Cash Back Per Year

$...

Annual Fee

Welcome Bonus

$750

Apply Now on Chase's secure website

Want to compare more cards? Use our full calculator.

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Which credit card earns more cashback overall?

Based on identical spending inputs, you’ll earn $619.20 cashback per year with Capital One Spark 2% Cash Plus and $464.40 with Chase Ink Business Unlimited Card. For context, the average annual rewards payout from the business rewards credit cards in the investor.com database is $181.73.

The annual rewards payout assumes you charge $2,580 each month spread across the following spending categories: Cell Phones ($516), Dining ($516), Gas ($258), Office Supplies ($387), Travel ($387), and Other ($516). The dollar amounts for each category are based on average small-business spending data (how much business spend proportionally in each category) from the U.S. Bureau of Labor Statistics and other sources. We encourage you to use our business card rewards calculator to customize the amounts based on your business’s actual spending patterns.

To ensure the most accurate results possible, the rewards calculations for Capital One Spark 2% Cash Plus and Chase Ink Business Unlimited Card incorporate bonus rewards rates, spending caps, default rewards rates and annual fees, where applicable.

Is the Capital One Spark 2% Cash Plus good?

Stop reading now if you ever carry a balance on your biz card. (Balances must be paid in full each month or you’ll shell out a 2.99% late fee.) Still here? The $150 annual fee on the Capital One Spark 2% Cash Plus card buys you a rewards rate upgrade from the 1.5% no-fee Spark cards. It also features a more flexible credit limit than a typical credit card because it’s a charge card (translation: balances must be paid in full each month).

thumb_up Likes

2% unlimited cash back, no caps, no category restrictions
$500 welcome bonus on $5,000 spent in first three months (that’s 10% cash back)
Lack of a preset spending limit is convenient for businesses that have big expenses
Multiple reward redemption options; reward transfers allowed between certain Capital One rewards accounts
No foreign transaction fees
5% cashback on hotels and rental cars booked through Capital One Travel

thumb_down Dislikes

Balance must be paid in full when statement is received, as in minimum payment = your entire balance
2.99% late payment fee applies to balances not paid in full
Just to be crystal clear: This. Is. A. Charge. Card. Not a credit card
Spending limit may vary, based on your credit/payment history and spending behavior
Additional $500 welcome bonus (if you spend at least $50,000 in the first six months) equates to 1% cash back
Requires spending $200K a year to earn the $200 annual bonus

Category	Default Rate	Bonus Rate	Bonus Spend Cap	Bonus Spend Period (Months)
Cell Phone	-	-	-	-
Dining	2.00%	-	-	-
Gas	2.00%	-	-	-
Travel	2.00%	-	-	-
Office Supplies	-	-	-	-
Other Purchases	2.00%	-	-	-

Is the Chase Ink Business Unlimited Card good?

Chase Ultimate Rewards fans rejoice! Here’s the small-biz version of your consumer card, but with flat-rate, spending-cap-free rewards and a chonky $750 sign-up bonus. Plus you can combine points earned with a consumer card to boost your Chase Ultimate Rewards redemption options.

thumb_up Likes

Hassle-free, flat-rate rewards on all purchases
$750 sign-up bonus
0% APR on purchases for 12 months
Multiple redemption options
Lets you combine points with other Chase Ultimate Rewards-earning cards
$0 annual fee
Pays out referral bonuses

thumb_down Dislikes

1.5% rewards rate is it. No higher rewards tiers offered 🥲
No balance transfer deal
High balance transfer and cash advance fees
3% foreign transaction fee
Fewer benefits than some other Chase cards

Category	Default Rate	Bonus Rate	Bonus Spend Cap	Bonus Spend Period (Months)
Cell Phone	1.50%	-	-	-
Dining	1.50%	-	-	-
Gas	1.50%	-	-	-
Travel	1.50%	-	-	-
Office Supplies	1.50%	-	-	-
Other Purchases	1.50%	-	-	-

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Methodology

The results of the investor.com Credit Card Business Rewards Calculator are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g. ,1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.

To calculate the amount of cash back you could earn per year, we factored in:

Tiered rewards rates: Some business cards pay a flat cashback rate on all purchases. Others pay higher cashback rates on purchases that fall under specific spending categories. The investor.com algorithm incorporates each issuer’s unique reward’s program to determine the “Cash Back Per Year” tally.
Spend category inputs: Based on the rewards cards in our database, cell phones, dining, gas, office supplies, travel and "other" are the categories most often used by business credit cards that feature tiered rewards programs. We encourage you to customize the monthly spend inputs for the most accurate results.
Monthly spend: The default dollar amounts for each spend category in the Business Credit Card Calculator are based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Click the arrow on the “Spend Categories” to customize the monthly spend inputs and find the business card with the highest payout rate for your small-business spending.
Rewards spending caps: Some cards impose category- or time-based limits (monthly, quarterly, annually) that affect the amount of rewards you can earn. For example, a card may pay 3% cash back on office supplies on up to $1,000 of spending each quarter, then revert to the base/default rewards rate until the following quarter. We accounted for bonus spending caps and timeframe in the calculations.
Default rewards rates: Purchases that exceed a spending cap are usually subject to a lower default rewards rate (e.g., 1% or 1.5%). We mathed that out too.
Annual fees: If a rewards card charges an annual fee, we deducted that amount from the “Cash Back Per Year” total to provide a true accounting of a card’s annual rewards payout.

What’s not included in the “Cash Back Per Year” total is the cash value of any sign-up/introductory bonus. We highlight any Welcome Bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)

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