{"id":116844,"date":"2025-02-10T12:00:32","date_gmt":"2025-02-10T12:00:32","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=116844"},"modified":"2026-04-15T16:45:24","modified_gmt":"2026-04-15T16:45:24","slug":"chase-ink-vs-capital-one-spark","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ink-vs-capital-one-spark\/","title":{"rendered":"Chase Ink Business Preferred\u00ae Card vs. Capital One Spark Miles Card: Which Is Better?"},"content":{"rendered":"<p>Choosing a small business credit card can be difficult. A plethora of options exist for the traveling business owner. For those looking for a rewarding travel card with a modest annual fee, the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=297b4eca187799594afc00d5802d6762&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and <b>Capital One Spark Miles for Business<\/b> are both solid choices. But how do the Ink Preferred and Spark Miles cards compare? Is one a clear, better choice than the other?<\/p>\n<p>In this post, we dive into the details of each card, highlight the pros and cons, and determine which is the better fit for your wallet.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Capital_One_Spark_Milesvs_ChaseInk_Preferred_Sign-Up_Bonus\">Capital One Spark Miles\u00a0vs. Chase\u00a0Ink Preferred Sign-Up Bonus<\/a><\/li><li><a href=\"#Capital_One_Spark_Miles_vs_Chase_Ink_Preferred_Annual_Fee\">Capital One Spark Miles vs. Chase Ink Preferred Annual Fee<\/a><\/li><li><a href=\"#When_To_Use_Capital_One_Spark_Miles_vs_Chase_Ink_Preferred\">When To Use Capital One Spark Miles vs. Chase Ink Preferred<\/a><\/li><li><a href=\"#Other_Capital_One_Spark_Miles_Benefits_vs_Chase_Ink_Preferred\">Other Capital One Spark Miles Benefits vs. Chase Ink Preferred<\/a><ul><li><a href=\"#Employee_cards\">Employee cards<\/a><\/li><li><a href=\"#Annual_monthly_or_other_credits\">Annual, monthly, or other credits<\/a><\/li><li><a href=\"#Chase_vs_Capital_One_transfer_partners\">Chase vs. Capital One transfer partners<\/a><\/li><li><a href=\"#Travel_insurance_protections_and_other_benefits\">Travel insurance protections and other benefits<\/a><\/li><li><a href=\"#Combining_rewards\">Combining rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Chase_Travel_Portal_vs_Capital_One_Travel_Portal\">Chase Travel Portal vs. Capital One Travel Portal<\/a><\/li><li><a href=\"#Which_Card_Is_Better_Capital_One_Spark_Miles_or_Chase_Ink_Preferred\">Which Card Is Better: Capital One Spark Miles or Chase Ink Preferred?<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Capital_One_Spark_Milesvs_ChaseInk_Preferred_Sign-Up_Bonus\">Capital One Spark Miles\u00a0vs. Chase\u00a0Ink Preferred Sign-Up Bonus<\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Miles for Business<\/div><div class=\"compare-offer\">This card is no longer available to new applicants.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=297b4eca187799594afc00d5802d6762&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p>When you're comparing any two cards, the current <a target=\"_blank\" href=\"\/credit-cards\/sign-up-bonus\/\" rel=\"noopener\">sign-up bonuses<\/a> offered by each is a key factor. While the card offer history is important to consider, what really matters is what's currently available.<\/p>\n<p>The current sign-up bonuses are:<\/p>\n<ul>\n<li><strong><b>Spark Miles<\/b>:<\/strong> This card is no longer available to new applicants..<\/li>\n<li><strong><a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>:<\/strong> Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li>\n<\/ul>\n<p>The 100,000 Ultimate Rewards points are potentially worth more when redeemed for travel. You'll get roughly twice the travel purchase redemption rate for the Spark Miles.<\/p>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=297b4eca187799594afc00d5802d6762&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-20ebc4699d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Capital_One_Spark_Miles_vs_Chase_Ink_Preferred_Annual_Fee\">Capital One Spark Miles vs. Chase Ink Preferred Annual Fee<\/span><\/h2>\n<p>The long-term annual fee for both cards is the same at $95 per year. However, the <b>Spark Miles<\/b> card waives the fee for the first year, which provides some savings to start. That being said, when you factor in the value of the higher sign-up bonus alongside the higher fee in year one, you still come out well ahead with the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>.<\/p>\n<p>But we're comparing fees. And the Ink Preferred charges $95 out the gate. If you don't want to pay an initial annual fee, the <b>Spark Miles<\/b> card is the better choice. You can test out the card for 12 months before committing to the annual fee.<\/p>\n<p><strong>Winner: Spark Miles<\/strong><\/p>\n<p><div class=\"qs-card\" data-id=\"265\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-20ebc4699d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\">Why the Capital One Spark Miles for Business Deserves a Spot in Your Wallet<\/a><\/strong><\/p>\n<h2><span id=\"When_To_Use_Capital_One_Spark_Miles_vs_Chase_Ink_Preferred\">When To Use Capital One Spark Miles vs. Chase Ink Preferred<\/span><\/h2>\n<p>The earning rate for the <b>Spark Miles<\/b> is straightforward and ideal for those who value simplicity: Earn 2X miles on every purchase and 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.<\/p>\n<p>If you plan to book travel through <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Travel<\/a>, the 5X return is quite good. However, there are important downsides to booking travel through a portal. If you won't use this option regularly, the card effectively earns 2X miles on all purchases. It's a solid return on everyday spending, but there's no real &#8220;bonus&#8221; category.<\/p>\n<p>Meanwhile, the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> offers a greater breadth of bonus earning:<\/p>\n<ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul>\n<p>If you have significant business expenses that fall into the 3X categories Chase offers, then the Ink Preferred is likely the better option. However, if you travel for business a lot and don't mind booking through Capital One Travel instead of directly with the hotel or rental car company, then you'll get a much better return with the Spark Miles card. Its 5X earning here solidly beats the Ink Preferred.<\/p>\n<p>Finally, if you have a good chunk of spending that will fall outside any bonus category of either card, the 2X miles offered by the Spark Miles makes it the better choice.<\/p>\n<p><strong>Winner: It depends.<\/strong> The Spark Miles card is the better choice for everyday spending. However, the Ink Preferred is likely the better option if you can maximize its 3X categories.<\/p>\n<h2><span id=\"Other_Capital_One_Spark_Miles_Benefits_vs_Chase_Ink_Preferred\">Other Capital One Spark Miles Benefits vs. Chase Ink Preferred<\/span><\/h2>\n<h3><span id=\"Employee_cards\">Employee cards<\/span><\/h3>\n<p>Both the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> and <b>Spark Miles<\/b> cards offer free employee cards. This makes tracking employee expenses easy and allows your business to earn additional rewards from these purchases. Both of the cards let you add individual spending limits to employee cards.<\/p>\n<p><strong>Winner: Tie<\/strong><\/p>\n<h3><span id=\"Annual_monthly_or_other_credits\">Annual, monthly, or other credits<\/span><\/h3>\n<p>The Ink Preferred doesn't offer any sort of credits. The Spark Miles card offers one: a credit of up to $120 to offset your <a target=\"_blank\" href=\"\/travel\/tsa-precheck\/\" rel=\"noopener\">Global Entry or TSA PreCheck application fee<\/a>. You can use the credit once every four years, and you must pay the fee with your card to receive a statement credit against the fee.<\/p>\n<p><strong>Winner: Spark Miles<\/strong><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/travel\/how-to-renew-global-entry\/\" rel=\"noopener\">How To Renew Global Entry<\/a><\/strong><\/p>\n<h3><span id=\"Chase_vs_Capital_One_transfer_partners\">Chase vs. Capital One transfer partners<\/span><\/h3>\n<p>Both <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase Ultimate Rewards<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One Miles<\/a> can be transferred to various hotel and airline transfer partners. Each program includes at least one good partner in each major airline alliance. Capital One wins in terms of the number of transfer partners &#8212; it has a total of 22, compared to Chase's 14. However, a handful of Capital One partners have less than a 1:1 transfer ratio.<\/p>\n\n<table id=\"tablepress-440\" class=\"tablepress tablepress-id-440 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Chase Transfer Partners and Ratios<\/th><th class=\"column-2\">Capital One Transfer Partners and Ratios<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Aer Lingus (1:1)<\/td><td class=\"column-2\">Aeromexico Rewards (1:1)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Air Canada Aeroplan (1:1)<\/td><td class=\"column-2\">Air Canada Aeroplan (1:1)<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Air France\u2013KLM Flying Blue (1:1)<\/td><td class=\"column-2\">Air France\u2013KLM Flying Blue (1:1)<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">British Airways Executive Club (1:1)<\/td><td class=\"column-2\">Avianca LifeMiles (1:1)<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Emirates Skywards (1:1)<\/td><td class=\"column-2\">British Airways Club (1:1)<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Iberia Plus (1:1)<\/td><td class=\"column-2\">Cathay Pacific Asia Miles (1:1)<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">JetBlue TrueBlue (1:1)<\/td><td class=\"column-2\">Emirates Skywards (1:1)<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Singapore Airlines KrisFlyer (1:1)<\/td><td class=\"column-2\">Etihad Guest (1:1)<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Southwest Airlines Rapid Rewards (1:1)<\/td><td class=\"column-2\">EVA Air Infinity MileageLands (2:1.5)<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">United Airlines MileagePlus (1:1)<\/td><td class=\"column-2\">Finnair Plus (1:1)<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">Virgin Atlantic Flying Club (1:1)<\/td><td class=\"column-2\">JetBlue TrueBlue (5:3)<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">IHG One Rewards (1:1)<\/td><td class=\"column-2\">Qantas Frequent Flyer (1:1)<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Marriott Bonvoy (1:1)<\/td><td class=\"column-2\">Singapore Airlines KrisFlyer (1:1)<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">World of Hyatt (1:1)<\/td><td class=\"column-2\">TAP Portugal Miles & Go (1:1)<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">Turkish Airlines Miles & Smiles (1:1)<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">Virgin Red \/ Virgin Atlantic Flying Club (1:1)<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">Accor Live Limitless (2:1)<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">Choice Privileges (1:1)<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\">Wyndham Rewards (1:1)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>The value you'll get from each program will depend on your travel preferences and patterns, so it's difficult to make a clear comparison. However, there are a few things to note.<\/p>\n<p>First, Chase has more domestic transfer partners, which means people will be more familiar with those airline loyalty programs. <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/\" rel=\"noopener\">United MileagePlus<\/a> is one of the best Chase transfer partners. Chase also offers <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/\" rel=\"noopener\">World of Hyatt<\/a>, one of the best hotel programs in terms of value. I would argue, however, that <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/\" rel=\"noopener\">Wyndham Rewards<\/a> is a decent stand-in for domestic stays, as you can get solid value <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/vacasa-rentals\/\" rel=\"noopener\">booking vacation rentals using Wyndham points<\/a>. Again, we want to note that Capital One also has more partners overall, even though they are mostly international airlines.<\/p>\n<p>Second, AwardWallet readers actually tend to redeem <a target=\"_blank\" href=\"\/point-mile-values\/Capital+One\" rel=\"noopener\">Capital One Miles at 2.04\u00a2 each<\/a> and redeem <a target=\"_blank\" href=\"\/point-mile-values\/Chase\" rel=\"noopener\">Chase points at 2.01\u00a2 each<\/a>. This is a bit surprising but shows that our readers are savvy and able to use the Capital One transfer partners for great value.<\/p>\n<p><strong>Winner: Tie.\u00a0<\/strong>If you're a savvy points user, you can do very well with Capital One&#8216;s partners. That being said, Chase can't be beaten in terms of a couple of key partners, namely United and Hyatt.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">What Are the Best Flexible Rewards Points for Free Travel?<\/a><\/strong><\/p>\n<h3><span id=\"Travel_insurance_protections_and_other_benefits\">Travel insurance protections and other benefits<\/span><\/h3>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> offers an excellent suite of travel protection benefits:<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">Primary rental car coverage<\/a> <\/strong>when renting for business purposes or outside your country of residence: You must pay with your card and decline the rental company's coverage for this to kick in. It covers most standard rental cars.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/baggage-loss-insurance\/\" rel=\"noopener\">Lost luggage reimbursement<\/a>:<\/strong> The cardholder and immediate family are covered for up to $3,000 per person per bag for luggage that is lost or stolen while being transported by a travel provider. This is subject to a limit of $500 for cameras, jewelry, electronics, and a few other listed types of items.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/trip-cancellation-insurance\/\" rel=\"noopener\">Trip cancellation\/interruption insurance<\/a>:<\/strong> Receive up to $5,000 per person and up to $10,000 per trip for your pre-paid, non-refundable travel expenses for covered trip cancellation or interruption events, such as severe weather, injury, or jury duty.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/trip-delay-insurance\/\" rel=\"noopener\">Trip delay reimbursement<\/a>:<\/strong> If your trip is delayed by more than 12 hours or requires an overnight stay, the primary cardholder plus their spouse and dependent children are covered up to $500 per ticket for unanticipated expenses such as lodging and meals.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">Cell phone protection<\/a>:<\/strong> Pay your phone bill with your card and receive coverage of up to $1,000 per claim in covered theft or damage. There's a $100 deductible and a maximum of three claims in a 12-month period.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a>:<\/strong> Eligible new purchases made with your card are covered for 120 days from the date of purchase against damage or theft up to $10,000 per item.<\/li>\n<\/ul>\n<p>There are two benefits offered by both cards:<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">Extended warranty protection<\/a>:<\/strong> You can extend a warranty for an additional year for warranties of three years or less. Coverage is up to $10,000 per claim and $50,000 total per card account. The benefit is the same for either card.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/no-foreign-transaction-fee\/\" rel=\"noopener\">No foreign transaction fees<\/a>. <\/strong>You won't pay anything extra when using your card abroad.<\/li>\n<\/ul>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-preferred-benefits\/\" rel=\"noopener\">Why the Chase Ink Preferred Is My Primary Travel Card<\/a><\/strong><\/p>\n<h3><span id=\"Combining_rewards\">Combining rewards<\/span><\/h3>\n<p>Both cards allow you to share your rewards with others, although Chase is much more restrictive in what it allows.<\/p>\n<p>It's possible to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">combine your cash-back rewards with Chase Ultimate Rewards points<\/a> earned with the Ink Preferred. You can then use these points to book travel through the Chase travel portal or transfer the points to partners. Additionally, you can <a target=\"_blank\" href=\"\/travel\/which-programs-allow-free-points-sharing\/\" rel=\"noopener\">combine your rewards with one other person in your household<\/a>. Finally, you're able to transfer points into the hotel and airline loyalty accounts of someone who is an authorized user\/joint business partner on your Ink Preferred card.<\/p>\n<p>Capital One makes this much simpler. You can <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">combine cash-back earnings with miles<\/a> if you have both types of cards. You can also combine rewards earned from a personal <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a>. Then, you can <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/share-capital-one-miles-another-person\/\" rel=\"noopener\">share your miles with anyone<\/a>.<\/p>\n<p><strong>Winner: Spark Miles<\/strong>\u00a0offers much greater flexibility for combining or transferring rewards.<\/p>\n<figure id=\"attachment_116281\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"601\/338\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-116281 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Hyatt-Centric-Waikiki-Beach-P045-Pool-Sunset.16x9-300x169.webp\" alt=\"four white lounge chairs in the foreground with a pool in the middle ground and buildings in the background\" width=\"601\" height=\"338\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Hyatt-Centric-Waikiki-Beach-P045-Pool-Sunset.16x9-300x169.webp 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Hyatt-Centric-Waikiki-Beach-P045-Pool-Sunset.16x9-768x432.webp 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/Hyatt-Centric-Waikiki-Beach-P045-Pool-Sunset.16x9.webp 960w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/><center><em>Hyatt Centric Waikiki Beach. Credit: Hyatt<\/em><\/enter><\/figure>\n<h2><span id=\"Chase_Travel_Portal_vs_Capital_One_Travel_Portal\">Chase Travel Portal vs. Capital One Travel Portal<\/span><\/h2>\n<p>One key area for comparing the <b>Spark Miles<\/b> versus <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> cards is how their respective travel portals work.<\/p>\n<p>We've mentioned that the Spark Miles card earns 5X miles on hotel and rental cars booked through Capital One Travel. There's no analogous bonus for the Ink Preferred. Travel booked through Chase Travel<sup>SM<\/sup> still earns 3X points, as does all travel (until you reach the $150k annual spending limit in 3X categories).<\/p>\n<p>However, redeeming is where the cards differ. With Capital One, your miles are worth 1\u00a2 each when redeemed through <a href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\">Capital One Travel<\/a>. Every 1,000 Capital One miles is worth $10. This means your return is either 2% or 5% on your spending, depending on the purchase. You can use miles to book lodging, airfare, or rental cars. Additionally, <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/redeem-venture-miles-travel-purchases\/\" rel=\"noopener\">any travel purchases made within the past three months can be covered using your Capital One miles<\/a>. However, given the lack of additional value, we don't recommend you redeem miles this way. You'll get 1\u00a2 per mile every time.<\/p>\n<p>Chase offers greater value for its points when you book through the <a href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\">Ultimate Rewards travel portal<\/a>. Points redeemed from the Ink Preferred are worth up to 1.75\u00a2 apiece, depending on your specific redemption. This gives you an immediate boost in value for certain redemptions. This can work out better than the maximum 5% back you can get from the Spark Miles on travel if you get that top 1.75\u00a2 redemption rate. However, <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">the Chase travel portal<\/a> offers more redemption options than Capital One&#8216;s. Besides airfare, rental cars, and hotels, you can redeem Ultimate Rewards points for various activities, such as tours, excursions, and cruises. It's great to have more options.<\/p>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<h2><span id=\"Which_Card_Is_Better_Capital_One_Spark_Miles_or_Chase_Ink_Preferred\">Which Card Is Better: Capital One Spark Miles or Chase Ink Preferred?<\/span><\/h2>\n<p>For the frequent business traveler, <strong>we think the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> has the edge<\/strong>. The value of the travel protection benefits with the Ink Preferred heavily outweighs the Global Entry credit offered by the Spark Miles card. Even though the Ink Preferred earns fewer points on everyday purchases, the greater value of Ultimate Rewards helps offset this difference.<\/p>\n<p>Conversely, the Spark Miles card is compelling for those who will have few purchases in the bonus categories offered with the Ink Preferred. Earning 2X miles on everything and being able to transfer these to several great transfer partners offers fantastic value. If you're a savvy AwardWallet user who knows how to get the most from your points and miles, you may be able to do better with Capital One transfer partners than Chase's. Also, the simpler rewards structure of the Spark Miles may be more appealing.<\/p>\n<p>For a deeper dive on either card, check out our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\" rel=\"noopener\">review of the Chase Ink Preferred<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/spark-miles\/\" rel=\"noopener\">review of the Capital One Spark Miles card<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=297b4eca187799594afc00d5802d6762&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-20ebc4699d#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Chase Ink Business Preferred\u00ae Credit Card and Capital One Spark Miles for Business are both solid business credit cards. So if you had to pick between them, what would you consider as part of your decision? In this post, we compare and contrast the two cards, highlighting their respective strengths and weaknesses, and ultimately show which has more to offer.<\/p>\n","protected":false},"author":51,"featured_media":117903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12620],"coauthors":[36394],"class_list":["post-116844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/116844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=116844"}],"version-history":[{"count":52,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/116844\/revisions"}],"predecessor-version":[{"id":258507,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/116844\/revisions\/258507"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/117903"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=116844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=116844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=116844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=116844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}