Capital One Spark Miles for Business vs Chase Sapphire Reserve
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95 (waived first year)
vs
$550
Base Rewards
2x
vs
1x
Sign-Up Bonus
$500
vs
$900
Editor Score
7/10
vs
9/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | $95 (waived first year)★ Lowest | $550✗ Highest |
| Purchase APR | 26.24% | 22.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Miles | Points |
| Base Rewards Rate | 2x★ Highest | 1x✗ Lowest |
| Bonus Categories | 5x Hotels (Capital One) · 5x Rental Cars (Capital One) | 10x Hotels (Chase) · 5x Flights (Chase) · 3x Dining |
| Sign-Up Bonus | $500 value✗ Lowest | $900 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Excellent (750+) |
| Network | Mastercard | Visa |
| At a Glance | ||
| Best For | Business travelers wanting simple flat miles | Frequent luxury travelers |
| Ratings | ||
| User Rating | 4.3 / 5✗ Lowest | 4.5 / 5★ Highest |
| Editor Score | 7 / 10✗ Lowest | 9 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Too close to call
The Capital One Spark Miles for Business ($95/year) and the Chase Sapphire Reserve ($550/year) compete on different axes. The Capital One Spark Miles for Business's strongest category is 5x on Hotels (Capital One), while the Chase Sapphire Reserve leads with 10x on Hotels (Chase). The Chase Sapphire Reserve costs $455 more per year, so you need at least $455 in incremental rewards to justify it over the Capital One Spark Miles for Business. At typical spend levels this breaks even somewhere between $13,650 and $27,300 in bonus-category purchases annually. Our model scores these cards effectively even (3-3). Pick the Capital One Spark Miles for Business if you spend heavily on hotels (capital one); pick the Chase Sapphire Reserve if you spend heavily on hotels (chase).
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Capital One Spark Miles for Business | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $95/year | $550/year |
| Base Reward Rate | 2x on everything | 1x on everything |
| Top Bonus Category | 5x on Hotels (Capital One) | 10x on Hotels (Chase) |
| Sign-Up Bonus | 50,000 miles after spending $4,500 in 3 months | 60,000 points after spending $4,000 in 3 months |
| Lounge Access | No | Yes |
| Credit Score Required | good | excellent |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Capital One Spark Miles for Business or Chase Sapphire Reserve?
It depends on your spending habits. The Capital One Spark Miles for Business has a $95 annual fee and earns 2x base rewards. The Chase Sapphire Reserve has a $550 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Spark Miles for Business and Chase Sapphire Reserve?
The Capital One Spark Miles for Business has a $95 annual fee while the Chase Sapphire Reserve has a $550 annual fee. The Chase Sapphire Reserve costs $455 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Capital One Spark Miles for Business and Chase Sapphire Reserve?
Yes, since these cards are from different issuers (Capital One and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.