Capital One Spark Cash Plus vs Venture X
Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Venture X 3.7% 2x base rate
- Spark Cash Plus 2.0% 2% base rate
Flights · portal
- Venture X · Capital One Travel 9.3% 5x
Hotels · portal
- Venture X · Capital One Travel 18.5% 10x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Car rental · portal
- Venture X · Capital One Travel 18.5% 10x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Vacation rentals · portal
- Venture X · Capital One Travel 9.3% 5x
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
What the numbers are doing
Venture X 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 X $395 a year, so a thin lead in one category may not cover the difference.
Where they differ: Venture X takes everything else. Spark Cash Plus wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Venture X3.7% |
| Flights · portal | Venture X · Capital One Travel9.3% |
| Hotels · portal | Venture X · Capital One Travel18.5% |
| Car rental · portal | Venture X · Capital One Travel18.5% |
| Vacation rentals · portal | Venture X · Capital One 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 X — 3.7%
- Spark Cash Plus — 2.0%
Flights · portal
- Venture X · Capital One Travel — 9.3%
Hotels · portal
- Venture X · Capital One Travel — 18.5%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Car rental · portal
- Venture X · Capital One Travel — 18.5%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Vacation rentals · portal
- Venture X · Capital One Travel — 9.3%
- Spark Cash Plus · Capital One Business Travel — 5.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.