Capital One Venture Rewards vs. Capital One Spark Miles: Should you get the personal or business card? -The Points Guy

Capital One Venture Rewards Credit Card is one of the most popular Travel Rewards Credit CardBut before you apply, you might want to consider Capital One Ventures small-business counterpart – The 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 Over 15 airline and hotel partnersIn fact, the two cards are so similar that you might have trouble telling them apart other than their names.

But look at their differences to determine whether the Capital One Venture or the Capital One Spark Miles for Business would be a better choice for your needs and which card benefits you can better leverage for rewards. It is worth paying attention.

Let’s compare how Capital One Spark Business and Venture Rewards perform against each other to help you decide between them.

Capital One Venture vs Capital One Spark Miles for Business Comparison

,Benefits are only available to accounts approved for Visa Signature cards. conditions apply.

Capital One Venture Rewards Is offering 75,000 bonus miles after you spend $4,000 on purchases within the first three months from account opening.

Capital One Spark Miles for Business Currently 50,000 miles are being offered after you spend $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 Venture. It has a larger sign-up bonus with a slightly lower spending requirement.

Connected: 7 Reasons to Get the Capital One Venture Rewards Card

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Although these cards offer similar benefits, their difference mostly depends on the fact that Capital One Venture Rewards have 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 it for the first year.

Both cards offer up to $120 statement credit Global Entry or TSA PreCheck Application once every four years, which can help to reduce Waits at airport security and immigration.

The Capital One Spark Miles for Business and Venture Rewards also extends car rental insurance when using the card to rent an eligible vehicle to cover collision, damage and theft.

both cards Extend Manufacturer Warranty Ranging from three years or less to one additional year.

Both cards insure lost luggage Up to $3,000, but don’t expect the full set of travel protections you’ll see on some other premium cards.

Cardholders of any card also have access Lifestyle Collection Hotels and Vacation Rentals. When booking through the Capital One Travel Portal, cardholders receive a $50 experience credit to use during each stay and perks like room upgrades, late checkout, and early check-in when available.

Neither card charges foreign transaction fees when making purchases outside the US, nor does it cost money to add authorized users, such as employees. Capital One Spark Miles for Business.

Winner: tie.

Benefits are only available to accounts approved for Visa Signature cards. conditions apply.

Earn miles on Capital One Venture Rewards vs. Capital One Spark Miles for Business

Both cards have similar earning structures. They earn at least 2 miles per dollar on every purchase, and the number of miles you can earn is unlimited.

This means you’ll earn 2 miles per dollar on every purchase you make – like that new TV or sofa you’ve been lusting after – with no annual limit to worry about. This makes both cards something Best option for everyday expenses,

They both also earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

winner: tie. Both cards have the same earning structure.

Connected: Best Capital One Credit Cards

A main selling point of both cards is the wide variety and value you can enjoy redeem miles They earn. With both cards, your options are the same, so you won’t get an advantage from one over the other. That said, it’s still worth reviewing all the possibilities.

let’s start the simplest — Capital One Miles earned from any card is redeemable for travel Rate of every 1 centYou can use your miles to make reservations directly through Capital One Travel, like flights or hotel stays. You can also redeem miles for recent travel-related purchases, such as vacation rentals, hotels, airline flights, cruises, and more. So, your return on spending with either card is a solid 2%.

If you redeem your miles for cashback against other charges with any card, you only get half a cent per mile in value. This reduces the return on your spending to just 1%, so it’s best to avoid this and use a different cash-back card without specific redemption category restrictions.

winner: tie.

Connected: Cashing in Capital One miles? How to get maximum value when redeeming miles

However, things become more exciting because Capital One has more than 15 travel transfer partners And miles transfer Maximum ratio of 1:1.

Three Authors of TPG Credit Cards Augusta Stone’is the preferred partner of Air Canada Aeroplan, Air France-KLM Flying Blue And Turkish Airlines Miles & SmilesFor example, Aeroplan’s Preferred Destinations includes economy flights less than 500 miles for just 6,000 Aeroplan points. Or, you can book a transcontinental business-class award for just 25,000 points each way — significantly less than what United would charge if you booked through its MileagePlus program.

Winner: tie. Both cards earn the same types of miles and their transfer options are also similar.

Connected: How to Transfer Capital One Miles to Airline and Hotel Partners

Capital One Venture Rewards And Capital One Spark Miles for Business Both are excellent travel rewards credit cards. Their easy to understand earning structure is easy to avail for everyday expenses. You can redeem miles or transfer them to partners through the Capital One Travel Portal. If you own a business, consider applying for both cards to earn rewards on personal and business purchases.

Connected: Why is the Capital One Venture Rewards Credit Card still in our wallets?

about Capital One Spark Business versus enterprise awardsIf either card has been on your radar for a while and you’ve put off applying for one reason or another, they’re good choices for earning 2 miles per dollar spent on most purchases. With any card, you can’t go wrong, especially if you have some specific patterns in mind. Redeem your capital one mile Once you have collected them.

For more, read our full reviews enterprise awards And Spark Miles for Business,

learn more: Capital One Venture Rewards
learn more: Capital One Spark Miles for Business

For the 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 relevant benefits guide for details, as rules and exclusions apply.