WalletGrower

Business Credit Card Earnings Calculator

Enter your monthly spending — see exactly which business card nets you the most in rewards after annual fees. Compares Chase Ink Preferred, Spark Cash Plus, Amex Business Gold, and Blue Business Cash.

Quick Answer

Best for ad/travel/office-heavy businesses:Chase Ink Business Preferred® (3x points, $95 fee).  Best for flat high-volume spend:Capital One Spark Cash Plus (2% everything, $150 fee).  Best no-fee option:Amex Blue Business Cash™ (2% on first $50K/yr).  Enter your numbers below for an exact comparison.

Your Monthly Business Spending

Total: $1,750/mo

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Annual Rewards Comparison

Ranked by net rewards after annual fee — updated as you type

Chase Ink Business Preferred®Best Pick

Annual fee: $95.00

$616/yr

$51.33/mo net

Gross rewards: $711/yr#1 of 4
Amex Blue Business Cash™

Annual fee: None

$420/yr

$35.00/mo net

Gross rewards: $420/yr#2 of 4
Amex Business Gold Card

Annual fee: $375

$372/yr

$31.00/mo net

Gross rewards: $747/yr#3 of 4
Capital One Spark Cash Plus

Annual fee: $150

$270/yr

$22.50/mo net

Gross rewards: $420/yr#4 of 4

Best for your profile

Chase Ink Business Preferred® is the best fit for your spending profile. Your ad, travel, office, and phone/internet spend is high — the bonus multiplier on those categories drives strong returns.

Methodology: Rewards values use Chase Ultimate Rewards at $0.015/pt (via travel portal) and Amex Membership Rewards at $0.015/pt (via airline transfer). Capital One and Amex Blue results are cash, valued at face value. Annual fee is subtracted from gross annual rewards to produce the net figure. Sign-up bonuses are excluded. Amex Gold 4x cap applied at $150,000/yr combined. Ink Preferred 3x cap applied at $150,000/yr combined on eligible categories. Blue Business Cash 2% cap applied at $50,000/yr. Rates and fees verified June 2026.

Full business card rankings

See all top-rated business cards with detailed reviews

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3-way head-to-head comparison

Chase Ink vs Spark Cash Plus vs Amex Business Gold

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Rates and reward structures verified June 2026 against issuer disclosure pages. Point valuations are editorial estimates based on typical redemption rates; your actual value may vary. This calculator is for educational comparison purposes only and does not constitute financial advice. Confirm current terms directly with each card issuer before applying.

Frequently Asked Questions