pointslip milestomorrow.com

Capital One Spark Cash Plus vs Venture Rewards

Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Venture Rewards 3.7% 2x base rate
  2. Spark Cash Plus 2.0% 2% base rate

Hotels · portal

  1. Venture Rewards · Capital One Travel 9.3% 5x
  2. Spark Cash Plus · Capital One Business Travel 5.0% 5%

Car rental · portal

  1. Venture Rewards · Capital One Travel 9.3% 5x
  2. Spark Cash Plus · Capital One Business Travel 5.0% 5%

Vacation rentals · portal

  1. Venture Rewards · Capital One Travel 9.3% 5x
  2. Spark Cash Plus · Capital One Business Travel 5.0% 5%

What the numbers are doing

Venture Rewards 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 Rewards $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Venture Rewards takes everything else. Spark Cash Plus wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenture Rewards3.7%
Hotels · portalVenture Rewards · Capital One Travel9.3%
Car rental · portalVenture Rewards · Capital One Travel9.3%
Vacation rentals · portalVenture Rewards · 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

  1. Venture Rewards — 3.7%
  2. Spark Cash Plus — 2.0%

Hotels · portal

  1. Venture Rewards · Capital One Travel — 9.3%
  2. Spark Cash Plus · Capital One Business Travel — 5.0%

Car rental · portal

  1. Venture Rewards · Capital One Travel — 9.3%
  2. Spark Cash Plus · Capital One Business Travel — 5.0%

Vacation rentals · portal

  1. Venture Rewards · Capital One Travel — 9.3%
  2. Spark Cash Plus · Capital One Business Travel — 5.0%
Add to Apple Wallet

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 generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.