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The Differences Between The Capital One Venture X Business And The Capital One Spark Cash Plus

- Jan 30, 2024 Credit Card Info1 comment

Update: Offers expired.

There are currently two mega bonuses on both the card_name and card_name. You can only get one of the two cards so you need to decide which one will work better for your business. Thankfully, it’s not such a tough decision. Let’s discuss the differences in detail so that you can decide.¬†

First, what is not different:

  • Both are business cards
  • Both do not report on your personal credit report
  • Both are no-preset limit cards
  • Both earn at least 2% cash back/2 miles on all purchases¬†

Now let’s dive into the many differences.¬†

The annual fee

The annual fee on the card_name is way higher than the card_name. The fee on the card_name is $395 and the fee on the card_name is only $150. But we will discuss later on in the post the many benefits that come along with the card_name to justify the higher annual fee 

The rewards

The card_name earns the following rewards: 

  • 10 miles on hotels and car rentals booked through Capital One Travel
  • 5 miles on flights booked through Capital One Travel
  • Unlimited 2 miles on all purchases

The card_name earns the following rewards:

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

So the card_name earns more rewards for hotels, flights, and car rentals booked on Capital One Travel. On all other purchases they both earn the same. 

The type of rewards

The card_name earns Capital One Miles and the card_name earns cashback.

But one thing to keep in mind is that with the card_name, you can also transfer the cashback into miles by moving the cashback to a Capital One card that earns miles (either yours or even your spouse/friends). But the other way around is not possible. You cannot move miles from the card_name to the card_name to redeem it as cashback; you can only redeem it as cashback for a very poor value of a half penny per point. So in this regard, the card_name is better as it gives you the flexibility to redeem your cashback at the regular 1-cent rate, or move it to miles if you prefer.

The bonus

The bonus is very similar on both cards. 

Expired. card_name : Earn a total of 300,000 miles. Earn 150,000 miles after spending $20,000 within the first 3 months. Plus, earn an additional 150,000 miles after spending a total of $100,000 within the first 6 months.

Expired. card_name: Earn a total of $3,000. Earn $1,500 after spending $20,000 within the first 3 months. Plus, earn an additional $1,500 after spending a total of $100,000 within the first 6 months.

The credits

The card_name has more credits than the card_name. Here is the exact breakdown.  

$300 travel credit: Receive a $300 travel credit when booking any travel, including flight, hotel, and car, using the Capital One Travel portal, each card membership year. Only on card_name. 

TSA precheck /Global entry: Get up to a $100 statement credit for Global Entry or TSA Pre-Check every 4 years. Only on card_name. 

10,000 bonus anniversary miles:  Get 10,000 anniversary bonus miles each anniversary year. Only on card_name. 

$150 annual fee refund: Get a $150 annual fee refund every year your business spends $150,000 or more on your card. Only on card_name. 

The airport lounge access

The card_name also comes along with complimentary lounge access which is not available on the card_name. 

With a complimentary membership to Priority Pass Select, you gain access to 1,300+ airport lounges. You also have access to Plaza Premium lounges and to the Capital One lounges in Dallas-Fort Worth, Denver, and Washington Dulles Airport (plus more coming shortly). 

The protections

The card_name has many more protections, both when you travel and when you purchase something on the card. Here is the exact breakdown.

Trip cancellation insurance, travel accident insurance, lost luggage/ luggage delay insurance insurance, cell phone protection, and price protection. Only on card_name.

Auto rental insurance, extended warranty protection, and purchase protection. Offered on both the card_name and card_name.

Conclusion

The card_name is the more expensive one but has some credits and benefits that might justify the annual fee, especially for a business owner who travels often.

The card_name can work well for the budget focused business owner, plus, I love the flexibility it offers to either redeem your points at a 1-cent rate for cash back or to transfer them to miles (as described above). 

Card Details
Welcome Bonus

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

Annual Fee
Rewards

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

Benefits

Frequently asked questions
Does the Venture X Business card get reported on my personal credit report?
No
I just got approved for the Venture X Business card. Can I get a virtual card?
Congratulations! Unfortunately not. You need to wait for the card in the mail
Does the Venture X Business card have a preset credit limit?
No. It builds up quickly as you swipe and pay

Was this article helpful?

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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1 Comment

  1. Somewhere online i saw that when you swipe on the spark cash plus 150k annually they waive annual fee, is the same to the venture x?

    Reply

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