5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.
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.
The Spark Cash Select credit card is ideal for small business owners that want a cash back card with no annual fee and no foreign transaction fees.
It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.
Small business owners earn 1.5% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.
If you also have a Capital One credit card that earns Capital One miles like a Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.
Unlike the Spark Cash Plus, the Spark Cash Select will report to your personal credit profile.
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
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.
The Chase Sapphire Reserve credit card is the one that, in a sense, started it all. While rewards cards have been around for decades, The Chase Sapphire Reserve quickly became a must-have upon its launch in 2016. With a huge bonus offer, the Priority Pass airport lounge access, the easy to use $300 travel credits, and 3X Chase Ultimate Rewards points per dollar spent on all dining and travel made it an easy sell.
Today, it remains one of the strongest travel credit cards on the market, even if other cards like the newer Capital One Venture X and The Platinum Card® from American Express both get solid market share.
The beauty of the Chase Sapphire Reserve lies in its simplicity.
The $300 annual travel credit works itself off without you even noticing, since travel purchases are automatically applied. With the Venture X, for instance, you also get a $300 annual travel credit but can only use it in the Capital One portal.
Then the Chase Sapphire Reserve is just plain “easy” when it comes to earning, knowing that just about every possible travel or dining purchase (including eligible delivery services) will earn 3X Chase Ultimate Rewards points.
And to that end, with a MilesTalk value of 1.75 cents per point when used via transfer partners like World of Hyatt or for First and Business Class airfare via its many airline partners, you know you’ll get value for those points you earn. In fact, your travel and dining purchases (earning 3X points) have a minimum return on spend value of 4.5% (if you redeem through Chase Travel at 1.5 cents each or an average redemption yield of around 5.25% (3X * 1.75) when you use the Ultimate Rewards airline and hotel partners.
The card is also full of the most important benefits, namely the Priority Pass select membership for airport lounge access for you and 2 guests, including Priority Pass experiences (but not airport restaurants) as well as primary collision/damage coverage on car rentals (except for New York State residents with their own car insurance in which case this coverage is secondary) and trip delay coverage that kicks in after just a 6 hour delay as well as lost luggage insurance. And then there are the somewhat smaller but still valuable perks like your Global Entry fee reimbursement and 10x total points on hotels and car rentals purchased through Chase Travel(SM) and Chase dining purchases.
And of course, there’s that huge bonus when you spend $4,000 on purchases in your first 3 months from account opening….
So yes, it does have a high annual fee, but after the $300 travel credit, it’s effectively just $250 which the card gives you back via it’s earn rate, redemption rate (1.5 cents per point at Chase Travel) and rich benefits.