Capital One Venture X vs Capital One Spark Cash Plus
Side-by-side comparison
| Capital One Venture X | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | $395 | $150 |
| Welcome offer | 75,000 Miles | $2,000 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Capital One Venture X earns about $900 a year in rewards and the Capital One Spark Cash Plus about $900, valuing every point at a flat 1 cent. The Capital One Venture X charges $395, but carries about $500 in annual statement credits that offset it for anyone who uses them. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. These two are about as close as cards get: both pay a flat 2x on everything, they sit in the same fee tier, and on that spending they finish within $5 of each other. The choice is not really about the rewards rate. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. One tiebreaker: the Capital One Venture X adds cell phone protection, which the other does not. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.