Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Spark Cash Plus vs Capital One Venture Rewards Credit Card
This comparison aims to help users decide between the Capital One Spark Cash Plus and the Capital One Venture Rewards Credit Card, highlighting their key features, benefits, and drawbacks to determine which card aligns better with individual spending habits and financial goals.
Card Overviews
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is designed for businesses that prioritize cash back rewards. With no preset spending limit and a straightforward cash back structure, it appeals to business owners looking for flexibility and maximized earnings on everyday purchases.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card caters to travelers who prefer earning miles for travel-related expenses. The card offers a robust rewards program with the ability to redeem miles for travel purchases and transfer to various loyalty programs, making it ideal for frequent travelers.
Detailed Feature Comparison
| Feature | Capital One Spark Cash Plus | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $150 | $95 |
| Welcome Bonus | $2,000 cash back after spending $30,000 in the first 3 months | 75,000 miles after spending $4,000 in the first 3 months |
| Rewards Structure | 2% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel | 2X miles on every purchase; 5X on hotels and rental cars booked through Capital One Travel |
| Foreign Transaction Fee | None | None |
| Other Fees | No APR; balance due in full | Standard fees apply |
| Additional Benefits | Free employee cards; transaction data sync with accounting software | Global Entry/TSA PreCheck credit; transfer miles to 15+ loyalty programs |
Rewards Highlights
Capital One Spark Cash Plus
- $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- 2% cash back on every purchase.
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
Capital One Venture Rewards Credit Card
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
- Earn unlimited 2X miles on every purchase, every day.
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Pros and Cons
Capital One Spark Cash Plus
- Pros:
- High cash back rate on all purchases.
- No preset spending limit.
- Flexible rewards with cash bonuses.
- Cons:
- Higher annual fee compared to some other business cards.
- Requires significant spending to earn bonuses.
Capital One Venture Rewards Credit Card
- Pros:
- Generous welcome bonus for travel.
- Flexible redemption options for travel expenses.
- Low annual fee compared to similar travel cards.
- Cons:
- Lower cash back rate compared to the Spark Cash Plus.
- Travel rewards may not appeal to non-travelers.
Who Should Consider Which Card?
- Capital One Spark Cash Plus: Ideal for business owners who make substantial purchases and prefer cash back rewards without category restrictions.
- Capital One Venture Rewards Credit Card: Best for frequent travelers looking to earn miles for travel expenses and enjoy flexible redemption options.
Conclusion
Choosing between the Capital One Spark Cash Plus and the Capital One Venture Rewards Credit Card ultimately depends on your individual spending patterns and financial goals. Consider whether cash back or travel rewards align better with your lifestyle and make an informed decision.