Capital One Spark Cash Plus vs Venture Business
Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Venture Business 3.7% 2x base rate
- Spark Cash Plus 2.0% 2% base rate
Hotels · portal
- Venture Business · Capital One Business Travel 9.3% 5x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Car rental · portal
- Venture Business · Capital One Business Travel 9.3% 5x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Vacation rentals · portal
- Venture Business · Capital One Business Travel 9.3% 5x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
What the numbers are doing
Venture Business tops everything else at 3.7% only because this table values its points at 1.85 cents each. Value them at one cent and Spark Cash Plus wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge Spark Cash Plus $150 and Venture Business $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Venture Business takes everything else. Spark Cash Plus wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Venture Business3.7% |
| Hotels · portal | Venture Business · Capital One Business Travel9.3% |
| Car rental · portal | Venture Business · Capital One Business Travel9.3% |
| Vacation rentals · portal | Venture Business · Capital One Business Travel9.3% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Venture Business — 3.7%
- Spark Cash Plus — 2.0%
Hotels · portal
- Venture Business · Capital One Business Travel — 9.3%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Car rental · portal
- Venture Business · Capital One Business Travel — 9.3%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Vacation rentals · portal
- Venture Business · Capital One Business Travel — 9.3%
- Spark Cash Plus · Capital One Business Travel — 5.0%
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