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Capital One Spark Cash Plus vs VentureOne 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. VentureOne Rewards 2.3% 1.25x base rate
  2. Spark Cash Plus 2.0% 2% base rate

Hotels · portal

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

Car rental · portal

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

Vacation rentals · portal

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

What the numbers are doing

VentureOne Rewards tops everything else at 2.3% 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 VentureOne Rewards $0 a year, so a thin lead in one category may not cover the difference.

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

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Pass content preview
CategoryBest card
Everything elseVentureOne Rewards2.3%
Hotels · portalVentureOne Rewards · Capital One Travel9.3%
Car rental · portalVentureOne Rewards · Capital One Travel9.3%
Vacation rentals · portalVentureOne 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. VentureOne Rewards — 2.3%
  2. Spark Cash Plus — 2.0%

Hotels · portal

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

Car rental · portal

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

Vacation rentals · portal

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