Capital One Venture Rewards vs. Capital One Spark Miles: Should you get a personal business card or a business card?
the Capital One Venture Rewards Credit Card is one of the most popular travel rewards credit card. But before you sign up, you might want to consider Capital One Venture small business partner – female Capital One Spark Miles for Business.
Like Venture Rewards, Spark Miles for Business earns 2 miles per dollar on every purchase. It allows cardholders to redeem their miles for travel purchases and transfer them to Capital One’s More than 15 airline and hotel partners. In fact, these two cards are so similar that you may have trouble telling them apart beyond their names.
But it’s worth diving into their differences to determine whether the Capital One Venture or Capital One Spark Miles for Business will be the better choice for your needs, and which card’s benefits you can take better advantage of to receive. award.
Let’s see how Capital One Spark’s Corporate Rewards and Venture Rewards compare to help you decide between them.
Capital One Venture vs Capital One Spark Miles for business comparison
| Capital One Venture Rewards Credit Card | Capital One Spark Miles for Business | |
|---|---|---|
| Welcome offer | Earn 75,000 bonus miles when you spend $4,000 on purchases within the first three months of account opening. | Earn 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening |
| Annual fee | $95 | $0 first year, then $95 |
| Income | 5 miles per dollar on hotels and rental cars booked through Capital One Travel 2 miles per dollar on every purchase | 5 miles per dollar on hotels and rental cars booked through Capital One Travel 2 miles per dollar on every purchase |
| Redeem rewards | Transfer miles to over 15 airline and hotel partners 1 cent per mile for travel-related purchases 0.5 cents per mile for other statement credits | Transfer miles to over 15 airline and hotel partners 1 cent per mile for travel-related purchases 0.5 cents per mile for other statement credits |
| Other benefits | Global Entry or TSA PreCheck statement credit up to $120 every four years There are no foreign transaction fees Secondary car rental and travel accident insurance* Extended warranty* | Global Entry or TSA PreCheck statement credit up to $120 every four years There are no foreign transaction fees Car rental insurance Free employee card Business and account management tools Extended warranty |
*Benefits are available only to accounts approved for the Visa Signature card. Terms apply.
Capital One Venture Bonus vs. Capital One Spark Miles Welcome Offer for Business
the Capital One Venture Rewards is offering 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
the Capital One Spark Miles for Business currently offering 50,000 miles after spending $4,500 on purchases within the first three months of account opening. The $95 annual fee is waived for the first year.
Winner: Capital One Joint Venture. It has a higher sign-up bonus with a slightly lower spending requirement.
Related: 7 reasons to get the Capital One Venture Rewards card
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Capital One Venture Rewards vs. Capital One Spark Miles for Business Benefits
Although these cards offer similar benefits, their differences mainly stem from the fact that Capital One Venture Rewards is a personal credit card and Capital One Spark Miles for Business is one business credit card.
Venture Rewards has an annual fee of $95, as does Spark Miles for Business, although Spark Miles for Business waives them for the first year.
Both cards offer up to $120 in statement credits for one Global entry or TSA pre-check application every four years, this may help decrease Waiting at airport security and immigration.
Capital One Spark Miles for Business and Venture Rewards also extends car rental coverage when using the card to rent an eligible vehicle to cover collisions, damage and theft.
Both cards Extended manufacturer’s warranty from three years or less up to an additional year.
Both cards have insurance lost luggage up to $3,000 but don’t expect the full travel protections you’ll see on some other premium cards.
Cardholders of either card also have access Lifestyle collection hotels and vacation rentals. When booking through the Capital One Travel portal, cardholders will receive a $50 experience credit to use on each stay and receive perks such as room upgrades, late check-out, and early check-in, if applicable. Have.
The card does not charge foreign transaction fees for purchases outside the US, nor does it charge a fee to add authorized users, such as employees with Capital One Spark Miles for Business.
Winner: Tie.
Benefits are available only to accounts approved for the Visa Signature card. Terms apply.
Earn miles on Capital One Venture Rewards vs. Capital One Spark Miles for Business
The two cards have the same earning structure. They earn at least 2 miles per dollar on every purchase, and the number of miles you can earn is unlimited.
That means you’ll earn 2 miles per dollar on every purchase—like that new TV or couch you’ve been coveting—without having to worry about annual limits. This makes both cards one of a kind Best choice for daily spending.
Both also earn 5 miles per dollar on hotel and car rental bookings through Capital One Travel.
Winner: Tie. Both cards have the same earning structure.
Related: Best Capital One credit cards
Redeem miles on Capital One Venture Rewards vs. Capital One Spark Miles for Business
One of the main selling points of both cards is the variety and great value you can enjoy when exchange miles they earn. With both cards, your options are the same, so you won’t get an advantage from one card over the other. That said, it’s still worth considering all the possibilities.
Let’s start with simplest — Capital One mile earned with either card can be redeemed for travel at speed rate of 1 cent per person. You can use your miles to make reservations, such as flights or hotel stays, directly through Capital One Travel. You can also redeem miles for recent travel-related purchases, such as vacation rentals, hotels, airline flights, cruises, etc. Your spending with either card is 2%.
If you redeem your miles for cash from other fees with either card, you only get half a cent per mile. This reduces your return on spend to just 1%, so it’s best to avoid this and use another cashback card that doesn’t have specific redemption category restrictions.
Winner: Tie.
Related: Withdraw money at Capital One Mile? How to get maximum value when redeeming miles
Transfer miles on Capital One Venture Rewards compared to Capital One Spark Miles for Business
However, things get more interesting because Capital One has more than 15 travel transfer partners And transfer miles most at 1:1 ratio.
Three people wrote TPG credit cards Augusta Stone’My favorite partner is Air Canada aircraft, Air France-KLM Fly Green And Miles&Smiles of Turkish Airlines. For example, Aeroplan’s sweet spot includes short-haul economy flights under 500 miles for just 6,000 Aeroplan points. Or, you can book intercontinental business class awards for just 25,000 points each way — much less than what United will charge if you book through their MileagePlus program.
Winner: Tie. The two cards earn the same types of miles and have the same transfer options.
Related: How to transfer Capital One miles to airline and hotel partners
Should I get Capital One Venture Rewards or Capital One Spark Miles for business?
the Capital One Venture Rewards And Capital One Spark Miles for Business are both great travel rewards credit cards. Their easy-to-understand income structure is simple to take advantage of daily expenses. You can use miles through the Capital One travel portal or transfer them to a partner. If you have a business, consider signing up for both cards to earn rewards on personal and business purchases.
Related: Why the Capital One Venture Rewards credit card still has room in our wallets
Bottom line
About work Capital One Spark Business vs Joint venture rewardsIf either card has been of interest to you for a while and you stopped applying for one reason or another, they are good options to earn 2 miles per dollar spent on most transactions buy. With either card, you can’t go wrong, especially if you have some specific ways to go Redeem your Capital One miles once you stack them up.
For more details, read our full reviews Joint venture rewards And Spark Miles for businesses.
Learn more: Capital One Venture Rewards
Learn more: Capital One Spark Miles for Business
For Capital One products listed on this page, some of the above benefits are offered by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details on when terms and exclusions apply.
