Editorial take: Blue Business Plus from Amex
The silent workhorse of the Amex MR ecosystem. 2x on everything up to $50k/year with no annual fee. Pair it with the Platinum or Gold to unlock transfers, and you have a powerful everyday earner.
All credit cards
Side-by-side
Blue Business Plus from Amex vs Capital One Spark Miles for Business
Both are business travel cards. The Blue Business Plus from Amex comes from American Express at $0/yr; the Capital One Spark Miles for Business from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Miles for Business is the stronger pick today — the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Blue Business Plus from Amex's. Get the Capital One Spark Miles for Business first; revisit the Blue Business Plus from Amex after you've earned that bonus.
| Feature | Blue Business Plus from Amex | Capital One Spark Miles for Business |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 15,000 points | 50,000 miles |
| Bonus value (est.) | $300 | $900 |
| Min spend to unlock bonus | $3,000 in 3 mo | $4,500 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | business | business |
| Best earning category (All_purchases) | 2x | 1x |
| Transfer partners | amex-mr | capital-one |
| Headline benefits |
|
|
Read the full review
Blue Business Plus from Amex
$0/yr · 15,000 points
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Editorial take: Capital One Spark Miles for Business
The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.
Common questions
- Which card has the bigger sign-up bonus, Blue Business Plus from Amex or Capital One Spark Miles for Business?
- The Capital One Spark Miles for Business has the bigger bonus — 50,000 miles, worth roughly $900, versus 15,000 points (~$300) on the Blue Business Plus from Amex.
- Is the Blue Business Plus from Amex's $0 annual fee worth it compared to the Capital One Spark Miles for Business?
- The Blue Business Plus from Amex has no annual fee, so the question is whether the Capital One Spark Miles for Business's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Miles for Business's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Blue Business Plus from Amex.
- Can I have both the Blue Business Plus from Amex and Capital One Spark Miles for Business?
- Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Blue Business Plus from Amex or the Capital One Spark Miles for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Plus from Amex: $3,000 spend in 3 months. Capital One Spark Miles for Business: $4,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.