Capital One Venture X Business vs Capital One Spark Cash Plus

Side-by-side comparison of Capital One Venture X Business and Capital One Spark Cash Plus. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One Venture X Business	Capital One Spark Cash Plus
Issuer	Capital One	Capital One
Network	Mastercard	Mastercard
Card Material	Metal	Plastic
Annual Fee	$395.00	$150.00
Base Rate	2.00%	2.00%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	2.0% (base)
Hotels via Capital One Travel	10.0%	5.0%
Rental Cars via Capital One Travel	10.0%	5.0%
Airline	5.0%	2.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	18 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	19.99% - 29.99%	null% - null%
Cash Advance APR	29.99%	N/A
Penalty APR	N/A	N/A
Late Fee	$39	$39
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	Covered	—
Cell Phone Protection	—	—
Extended Warranty	Extends warranty by 1 year	Extends warranty by 1 year
Purchase Protection	Covered	Covered up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	Covered	—
Trip Delay	Covered	—
Tsa Precheck Global Entry	Up to $100 statement credit every 4 years	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard