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AAdvantage MileUp
300,000 points points
Spark Cash Plus
$3,000 points
AAdvantage MileUp
Spark Cash Plus

Earn 15,000 points after spending $500 within the first 3 months.

Earn $1,200 after spending $30,000 within the first 3 months.

No Annual Fee
$150 Annual Fee

Card Rewards

– 2 points on groceries
– 2 points on eligible AA purchases
– 1 point on all other purchases

Card Rewards

– 5% cashback on hotels and car rentals booked through Capital One Travel
– Unlimited 2% cashback on all purchases

You can only have one charge card

Both the Capital One Spark Cash Plus and the Capital One Venture X Business are charge cards. Since Capital One limits you to only one charge card, you can only have one of these cards.

I would recommend getting the Capital One Spark Cash Plus over the Capital One Venture X Business because the Capital One Spark Cash Plus can be redeemed for either cashback or for miles if you transfer your miles to another Capital One card that earns miles. The Capital One Venture X Business can only be redeemed for miles. You can only get a very poor value for cashback.
In order to have that flexibility, the Capital One Spark Cash Plus is a better choice.


Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel‚Ą†. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel‚Ą†. For example, 60,000 points are worth $750 toward travel

You may need to freeze Experian

If you just applied for the¬†Ink Business Unlimited¬ģ Credit Card¬†or¬†Ink Business Cash¬ģ Credit Card, you should freeze your Experian report before you apply for one of the Capital One cards so that they should not see the inquiries.
There should be no issue getting approved for the¬†Capital One Spark Cash Plus¬†or¬†Capital One Venture X Business¬†even if you recently got the¬†Ink Business Unlimited¬ģ Credit Card¬†or¬†Ink Business Cash¬ģ Credit Card, as long as you freeze Experian.

Earn 2 miles / 2% cashback on all purchases

With the Capital One Spark Cash Plus you earn 2% cashback on all purchases and the Capital One Venture X Business earns 2 miles on all purchases.
So after you finish spending your $100,000 for the spend requirement, you will earn a total of $5,000 / 500,000 miles!!

Keep taxes in mind

Keep in mind that taxes are coming up. The spend requirement on these offers is $100,000 but you might be spending that amount in taxes!


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