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Compare the Features and Benefits of Capital One Spark Cash Select for Excellent Credit and
Capital One Venture X Business

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Has No Preset Spending Limit
Airport Lounge Access
Annual Statement Credits
Secondary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Earns Transferable Points
Extended Warranty
No Fees for Authorized Users
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
No Foreign Transaction Fees
Annual Fee
$0
Avg. Min. Credit Score
Ongoing APR
18.24%-24.24% (Variable)
Balance transfers fees
-
Best Multiplier
5x Car Rentals
5x Hotels
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
There is no bonus offer at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(1) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

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Read more
Unique Card Benefits
no
Has No Preset Spending Limit
no
Airport Lounge Access
no
Annual Statement Credits
no
Secondary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Earns Transferable Points
no
Extended Warranty
no
No Fees for Authorized Users
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
No Foreign Transaction Fees
no
Annual Fee
$395
Avg. Min. Credit Score
800-850
Ongoing APR
-
Balance transfers fees
Balance transfers are not available on Venture X Business
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.


This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Read more
Unique Card Benefits
yes
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Earns Transferable Points
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
No Foreign Transaction Fees
yes

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