Compare Cards: Chase Ink Business Premier® Credit Card vs. Amex Graphite Business Cash vs. Capital One Spark Cash for Business

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Earning Rates	Chase Ink Business Premier® Credit Card Chase business Details	Amex Graphite Business Cash American Express business Details	Capital One Spark Cash for Business Capital One businesscash-back Details
First-year value Welcome offer + annual credits − annual fee	+$805	+$1,205	+$905
Annual Fee	$195	$295	$95
Credit Required	Good	Good	Good to Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	$1,000 $1,000 cash back after spending $10,000 in first 3 months. Spend $10,000 in 3 mo	$1,500 Earn $1,500 cash back after $50,000 in purchases within the first 6 months. USCCG/DoC note YMMV/incognito offers up to $2,000. Spend $50,000 in 6 mo	$1,000 Earn a $1,000 cash bonus after spending $10,000 on purchases in the first 3 months. $0 intro annual fee for the first year, then $95. Spend $10,000 in 3 mo
Network	visa	amex	visa
Earning Rates
All Other Purchases	2× 2% cash back on all other business purchases	—	—
All Purchases $5,000+	2.5× 2	—	—
All purchases	—	—	2× Unlimited 2% cash back on every purchase
Chase Travel	5× Unlimited 5% cash back on travel purchased through Chase Travel℠	—	—
Hotels and rental cars booked through Capital One Business Travel	—	—	5× 5% cash back on eligible Capital One Business Travel bookings
Lyft	5× 5% on Lyft rides through September 30, 2027	—	—
all other purchases	—	2× Unlimited 2% cash back	—
travel	—	5× On flights and prepaid hotels booked through American Express Travel Online	—
Benefits & Credits	Other Benefits Flex for Business: Pay-in-full card with optional installment financing	—	Other Benefits Employee cards: Employee cards available at no additional cost; terms apply No foreign transaction fees: No foreign transaction fees on purchases outside the U
Insurance	Secondary Purchase Protection Extended Warranty		Unknown