Comparison
Capital One Spark vs Brex
A side-by-side look at Capital One Spark and Brex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Capital One Spark
Small business cards with simple rewards.
Capital One Spark offers small business credit cards with unlimited 2% cashback or miles.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Side-by-side
| Spec | Capital One Spark | Brex |
|---|---|---|
| Tagline | Small business cards with simple rewards. | The corporate card built for startups and scale-ups. |
| Headquarters | McLean, USA | San Francisco, USA |
| Founded | 1994 | 2017 |
| Regions | US | US |
| Card type | Visa / Mastercard credit | Charge card |
| Pricing | $0 - $150/yr. | Free base plan; Brex Premium $12/user/mo; Enterprise custom. |
| Rewards | Unlimited 2% cashback or 2x miles. | Up to 7x points on rideshare, 4x on travel, 3x on dining. |
| Best for | US small businesses | VC-backed startups, Tech companies, Scale-ups |
| Integrations | QuickBooks, Xero | NetSuite, QuickBooks, Xero, Sage Intacct |
Capital One Spark: pros & cons
- Simple rewards
- No spend management module
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid