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Compare the Features and Benefits of Capital One Spark Miles for Business and
Capital One VentureOne Rewards Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
Primary Car Rental CDW Waiver
Airport Lounge Access
Global Entry / TSA PreCheck Reimbursement
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Trip Protections
Concierge Services
Free Access to Credit Score
Annual Fee
$0 Introductory Annual Fee for the first year, then $95
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
26.24% (Variable)
Balance transfers fees
$0 at the Transfer APR
Best Multiplier
5x Car Rentals

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5x Hotels

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) 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 Spark Miles is a uniquely simple small business credit card.

With 2X Capital One Miles earned per dollar spent on all eligible purchases (plus the option to earn 5X miles on hotels and rental cars booked through Capital One Travel), you can really rack up the miles fast.

And while Capital One Miles used to simply be worth a penny each towards travel, that’s changed entirely since Capital One made their miles transferable.

Many small business owners don’t worry about bonus categories, but they do want as many rewards points for their business spend as possible. And they want, on top of that simplicity, to know they are getting a top end rate of return on spend.

The Spark Miles accomplishes both goals. 2X miles on everything with no limit is among the best options among all small business credit cards. While the Blue Business® Plus Credit Card from American Express also earns 2X points on purchases, it is capped at $50,000 in spend per year whereas the Capital One Spark Miles has no limit.

car-rental-coverage-capital-one-spark-miles

And then for redeeming your points, you can simply spend them for travel at a penny a point, or you can use the airline and hotel transfer partners.

As for card benefits, the card comes with Primary Car Rental CDW coverage, as long as you are renting for business purposes and also carries extended warranty and purchase protection benefits, provided by Visa Business Signature. Some of these benefits don’t even display on the Capital One marketing pages, but they are on the guide to benefits.

Overall, it’s a super simple card that is an excellent choice for small business owners that love to travel on their time off.

Need to Know: Capital One generally will make an credit inquiry with all three credit bureaus. Your card and revolving balance will also be reported to your personal credit file. That likely doesn’t bother you unless you’re maxing out the card, but if it does, you can browse other credit cards that do not report the credit line to your personal credit profile.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Trip Protections
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance transfer fee applies
Best Multiplier
5x Hotels

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

5x Car Rentals

Only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

1.25x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
20,000 miles when you spend $500 within 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) 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 no-annual-fee VentureOne Rewards Card is almost identical to the $95 per year Capital One Venture card with two major differences: It earns 1.25x miles per dollar on most purchases (while the Venture earns 2x), and it has less of a generous sign up bonus.

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the VentureOne card is a decent no-annual-fee option. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 1.25X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel. That’s a bit lower than many other cards on the market, but on the flip side, many of those cards don’t offer the ability to outright transfer rewards to airlines and hotels, either.

capital one ventureone

Capital One’s redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a respectable array of travel and purchase protections (similar to the Capital One Venture Rewards Credit Card but not nearly as robust as the $395-per-year Capital One Venture X Rewards credit card).

This card is really best suited for those that are adamant about not paying an annual fee, want the flexibility to redeem their rewards for cash back, airline miles, or hotel points, and have no desire to be charged pesky foreign transaction fees when they travel abroad.

One “trick” worth knowing is that Capital One allows you to combine from a cash back card to another cash back card or from a cash back card to a miles card. So you could, for example, have both this card and a SavorOne card (with multipliers for dining and entertainment) and then combine your cash from the SavorOne to your VentureOne miles. They would convert at one point per cent.

Lastly, how might you decide between the Venture and the VentureOne when the Venture has an annual fee of $95, but earns 2X miles per dollar vs. 1.25 miles per dollar on the VentureOne?

The calculation is that at roughly $12,500 in annual spend, you would be better off, even with the $95 annual fee, with the Capital One Venture Rewards Credit Card as the additional rewards earned become more than the annual fee.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
no
Airport Lounge Access
no
Global Entry / TSA PreCheck Reimbursement
no
No Fees for Authorized Users
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Concierge Services
yes
Free Access to Credit Score
yes

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