Capital One Spark Cash Plus vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 2-1. Premium travel — $395 fee easily offset by $300 travel credit + 10K anniversary miles. Capital One Spark Cash Plus is still the right call if high-spend small business — 2% flat with $1,200 welcome..
Side-by-side
| Criterion | Capital One Spark Cash Plus | Capital One Venture X |
|---|---|---|
| Annual fee | $150 | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 10% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $1,200 cash bonus after $30,000 spend in first 3 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 720 | = 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Capital One Spark Cash Plus vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Spark Cash Plus for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.