Need to know from you more information. A more holistic approach will help us determine what is best. What is your monthly business CC spend? What is your monthly personal CC spend?

For example, if you spend $20,000/mo on your Spark Business you will earn 480,000 cap1 miles which is either $4800 cash or 360,000 airline miles on most airline partners and spend $95 on an annual fee.

If you spend $20,000/mo on your BBP card you’d earn 290,000 MR points which is 290,000 airline miles for most transfer partners.

If you’re instead spending $2000/mo you’d earn 48,000 cap1 miles = $480 or 36,000 airline miles and a $95 annual fee. Alternatively, you’d earn 48,000 MR points which is 48,000 airline miles.

If it makes sense for you to hold a personal AMEX Platinum card you could get the Schwab flavor and cash out your MR points at $0.0125 each.