Capital One Spark Miles for Business vs. Capital One Venture Rewards
Capital One Spark Miles for Business and Capital One Venture Rewards are two of the most popular travel rewards credit cards. However, they have some key differences that may make one more suitable for your needs than the other.
Differences in Welcome Offers
The Capital One Spark Miles for Business offers a welcome offer of 50,000 miles after spending $4,500 on purchases within the first three months of account opening. In contrast, the Capital One Venture Rewards offers a welcome offer of 75,000 miles after spending $4,000 on purchases within the first three months of account opening.
- Capital One Spark Miles for Business welcome offer is worth $925, while the Capital One Venture Rewards welcome offer is worth $1,638.
- The Capital One Venture Rewards welcome offer is significantly more valuable, making it the better option for those seeking a lucrative sign-up bonus.
Annual Fees
The Capital One Spark Miles for Business has a $0 introductory annual fee for the first year, while the Capital One Venture Rewards has a $95 annual fee. The Spark Miles for Business card also offers a $0 annual fee for the first year, making it a more affordable option for businesses.
| Card | Annual Fee |
|---|---|
| Capital One Spark Miles for Business | $0 (first year), $95 (after first year) |
| Capital One Venture Rewards | $95 |
Benefits
Both cards offer similar benefits, but with some key differences. The Capital One Spark Miles for Business card offers a $0 annual fee for the first year, while the Capital One Venture Rewards card has a $95 annual fee. The Spark Miles for Business card also offers car rental insurance, while the Venture Rewards card offers travel accident insurance.
- The Capital One Spark Miles for Business offers car rental insurance, while the Capital One Venture Rewards offers travel accident insurance.
- The Capital One Spark Miles for Business offers a $0 annual fee for the first year, making it a more affordable option for businesses.
Earning Miles on the Capital One Spark Miles for Business
The Capital One Spark Miles for Business card earns 2 miles per dollar spent on every eligible purchase, with no annual limits to worry about. The Capital One Venture Rewards card also earns 2 miles per dollar spent on most purchases, with some exceptions.
- The Capital One Spark Miles for Business earns 2 miles per dollar spent on most purchases, with some exceptions.
- The Capital One Venture Rewards earns 2 miles per dollar spent on most purchases, with some exceptions.
Redeeming Miles on the Capital One Spark Miles for Business
Both cards offer a 1:1 ratio for miles transfer to Capital One’s 15-plus airline and hotel partners. Miles can be redeemed for travel, cash back, or gift cards, but the latter option is less valuable.
- Miles can be redeemed for travel, cash back, or gift cards.
- The 1:1 ratio for miles transfer to Capital One’s airline and hotel partners is the same for both cards.
Transferring Miles on the Capital One Spark Miles for Business
The Capital One Spark Miles for Business card has the same transfer options as the Capital One Venture Rewards card, with 15-plus airline and hotel partners to choose from. Miles transfer at a 1:1 ratio.
- The Capital One Spark Miles for Business card has the same transfer options as the Capital One Venture Rewards card.
- Miles transfer at a 1:1 ratio for both cards.
Should I Get the Capital One Spark Miles for Business or Capital One Venture Rewards?
Both cards are excellent travel rewards credit cards, with easy-to-understand earning structures and transfer options. If you have a business, consider applying for both cards to earn rewards on personal and business purchases.
Related Articles
* 7 reasons to get the Capital One Venture Rewards card
* The best Capital One credit cards
* How to transfer Capital One miles to airline and hotel partners
Conclusion
The Capital One Spark Miles for Business and Capital One Venture Rewards are both excellent travel rewards credit cards. With their easy-to-understand earning structures and transfer options, you can’t go wrong with either card. Consider your specific needs and apply for the one that best fits your lifestyle.
