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Home Business Credit Card Rewards Calculator

Capital One Spark 2% Cash Plus vs TD Business Solutions Credit 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.

TD Business Solutions Credit Card
Earn unlimited 2% cash back on all purchases. Earn $400 cash back in the form of a statement credit when you spend $3,000 within the first 90 days 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

TD Business Solutions Credit Card

Read review

Cash Back Per Year

$...

Annual Fee

Welcome Bonus

$400

Apply Now on TD Bank'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 $619.20 with TD Business Solutions Credit 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 TD Business Solutions Credit 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 TD Business Solutions Credit Card good?

A recent glow-up turned the TD Business Solutions Credit Card into a 2% unlimited cashback card. (TL;DR: You're no longer required to redeem rewards into a TD Bank deposit account to earn the full 2%, and for that, we say thank you.)

thumb_up Likes

2% cashback on all eligible purchases
No cashback limit
No reward categories tracking necessary
$400 sign-up bonus
No annual fee

thumb_down Dislikes

$25 (2,500 point) cashback redemption minimum
3% foreign transaction fee
No introductory balance transfer or purchase offer

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

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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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