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