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VS

Compare the Features and Benefits of Capital One Spark Miles for Business and
Citi Rewards+®

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
No Fees for Authorized Users
Earns Transferable Points
Primary Car Rental CDW Waiver
Airport Lounge Access
Global Entry / TSA PreCheck Reimbursement
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
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
No Fees for Authorized Users
yes
Earns Transferable Points
yes
Primary Car Rental CDW Waiver
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
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, 18.74%-28.74% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Ongoing APR
18.74%-28.74% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Gas Stations
2x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer

Earn 20,000 bonus ThankYou® points after you spend $1,500 in purchases with your card within 3 months of account opening.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.43) 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 Citi Rewards+ card comes with no annual fee but offers a unique value proposition among the sea of rewards credit cards on the market. In fact, it’s the only credit card to automatically round up to the nearest 10 points on all purchases made with the card. This can be vastly beneficial for small purchases you make on the card, as you’ll get to supercharge your ThankYou points® earning ability with the Citi Rewards+.

The card’s only bonus categories are gas stations and grocery stores, which will be useful for most households. You’ll earn 2x points on the first $6,000 spent every year in these categories combined, which breaks down to roughly $500 in monthly spend. If you exceed this spending cap, you’ll only earn 1x points per $1 spent.

gas-stations-citi-rewards-plus

Redeeming your ThankYou points is easy through your online Citi account, where you’ll get the best redemption value from travel or gift cards at 1 cent per point. While other rewards like “Shop with Points” or redeeming for a statement credit may be enticing, these redemption options present a poor value at just 0.8 cents and 0.5 cents, respectively. (Note: When we value the “minimum” redemption value of this card in our calculator at 1 cent per point, we are assuming you will take the maximum redemption option of gift cards.)

No matter how you redeem your points, you’ll get to earn 10% of all the points you redeem every year — up to the first 100,000 points annually. That’s a nice little boost to your ThankYou points balance.

Not only is the Citi Rewards+ a good choice for everyday purchases, but it also makes for a great supplementary card to any other Citi rewards cards you may have in your wallet since you can pool your points together.

If you already have the Citi Premier, a popular travel rewards card, you’ll earn 3x points on restaurants, supermarkets and gas stations, air travel and hotels, and 1x point on all other purchases. That’s where the Citi Rewards+ comes in: you can use the card for small purchases or non-bonus categories to take advantage of that favorable 10% automatic round-up feature.

Plus, if you also have a Citi Premier, you can cash out all of your Citi ThankYou points for 1 cent each or transfer them to ThankYou airline and hotel transfer partners.

(Please note: Without also holding a Citi Premier or Citi Prestige card, you will not be able to transfer these points to Citi’s ThankYou® airline and hotel transfer partners.)

Finally, you’ll have peace-of-mind with important coverages like purchase protection and extended warranty that can come in handy when your eligible card purchases are damaged or stolen.

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

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