Capital One vs Chase: Credit Card Bonus Comparison
Updated August 2026 — See which credit card bonus is better for you.
Capital One Business Spark Cash Plus Bonus
$2,000 bonus
- Qualifying Period
- 3 months
- Requirements
- $30,000 spend in first 3 months for welcome bonus; $500,000 spend in year for additional $2,000 bonus; Account must be open and in good standing; Spend $30,000 in the first 3 months; Spend $30,000 in first 3 months for $2,000 welcome bonus; For additional bonuses: earn $2,000 for every $500,000 spent during the first year (can earn multiple times); Additional $2,000 bonus for every $500,000 spent in the first year; Minimum $30,000 spend in first 3 months for initial $2,000 bonus; Authorized representative of business required to apply; Business details and credit verification required; $30,000 spend in first 3 months for initial bonus; Additional $2,000 bonus for every $500,000 spent in first year; Spend $30,000 in the first 3 months for the $2,000 welcome bonus; Spend $500,000 in the first year to earn an additional $2,000 (repeatable); $30,000 in purchases within first 3 months; Spend $30,000 in first 3 months; Plus additional $2,000 for every $500,000 spent in first year (no limit); Spend $30,000 in the first 3 months for $2,000 welcome bonus; Spend $500,000 in the first year for additional $2,000 bonus (repeatable, no limit); Spend $30,000 in the first 3 months to earn $2,000 welcome bonus; Earn additional $2,000 for every $500,000 spent in the first year; Spend $500,000 in the first year to earn each additional $2,000 bonus (unlimited per year); $30,000 spending in first 3 months for initial $2,000 bonus; $500,000 spending in first year for each additional $2,000 bonus; $30,000 spending in first 3 months for welcome bonus; Earn additional $2,000 for every $500,000 spent in first year; Spend $30,000 in the first 3 months (for primary $2,000 bonus); Spend $500,000 in the first year (for each additional $2,000 bonus); Spend $30,000 in first 3 months to earn initial $2,000 bonus; Earn additional $2,000 for every $500,000 spent during first year; $30,000 in purchases within first 3 months for initial $2,000 bonus; $500,000 in purchases for each additional $2,000 bonus (within first year); Account must be open and in good standing at redemption; Spend $500,000 in first year for additional $2,000 bonuses; $30,000 spend in first 3 months for initial $2,000 bonus; $500,000 spend in first year for additional $2,000 bonus (repeatable); $500,000 additional spend in first year for additional $2,000 per tier; Spend at least $30,000 in the first 3 months from account opening; Earn an additional $2,000 bonus for every $500,000 spent in the first year
Chase Sapphire Reserve for Business Bonus
200,000 points bonus
- Qualifying Period
- 6 months
- Requirements
- $30,000 spend in first 6 months; $30,000 in purchases within first 6 months from account opening; $30,000 in purchases within first 6 months of account opening; $30,000 in purchases in first 6 months; $30,000 in purchases within first 6 months; $30,000 in purchases within 6 months from account opening; $20,000 in purchases within first 3 months from account opening; Spend $20,000 on purchases in first 3 months from account opening; $20,000 in purchases within first 3 months of account opening; $20,000 in purchases in first 3 months from account opening; Minimum $20,000 in purchases within first 3 months; Account must be open and not in default at time of fulfillment; $20,000 in purchases within 3 months of account opening; Access more than $6,000 in total business and travel value in first year; Minimum $20,000 spend in first 3 months; Spend $20,000 on purchases within the first 3 months from account opening
Bottom Line
Chase offers a higher bonus (200,000 points vs $2,000). However, be sure to compare hold periods and requirements before deciding.