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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Capital One Spark Cash Plus

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(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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$150

⚠️Offer Ending Soon

Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months

Bonus points for spend in the following bonus categories:

Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.

2x-5x
Car Rentals
Estimated Rewards Value: 2%

Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.

2x-5x
Hotels
Estimated Rewards Value: 2%
2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • No preset spend limit as a charge card
  • Easy 2% cash back on all purchases; no bonus category restrictions
  • No foreign transaction fees

Pros

  • With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
  • You'll never pay any foreign transaction fees.
  • 2% cashback on all purchases.

Cons

  • The $150 annual fee may be high if you aren't going to put significant spend on this card.
  • There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
  • Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 25.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Spark Cash Plus
Author: Dave Grossman
Total Rating:
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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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Venture X Business

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(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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

🎁 Bonus offer

Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening

Get a 30% transfer bonus when you transfer Capital One Miles to JAL Mileage Bank.

Offer expires on Sep 30, 2026

Until September 30, 2026, 1,000 Capital One Miles gets you 975 JAL miles with this 30% transfer bonus.

Usually, 1,000 Capital One Miles will get you just 750 JAL miles.

Capital One added JAL Mileage Bank as a partner last September. The transfer ratio is sub-optimal at 2:1.5, but with this offer it is *almost* to 1:1. Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank.

I absolutely love JAL Mileage Bank. Just two days ago, I had a tweet go pretty viral about how I used just 42,000 JAL miles and paid $285 in tax for an Air France Business Class flight on their newest product from CDG to JFK when Air France Flying Blue wanted over 90,000 miles + $600 in fees. The guide will also point out that you can get great deals on one way flights but *killer* deals on round trip flights. And of course, if you are skilled you can grab First Class or Business Class on JAL itself at 360 days out (you have to be quick, though!)

Importantly, you cannot transfer points into JAL Mileage Bank from Capital One until your Mileage Bank account has been active for 7 days, so create that account right away whether you have a transfer in mind today or not.

Transfers should be instant.

JAL also offers a Round The World award (appealing now that ANA’s RTW is no more), but note that JAL miles “hard expire” 36 months from the date you earn them.

Need more Capital One Miles? We have 5 cards that earn Capital One Miles here.

Remember that with Capital One cards that earn cash back, you can convert the cash back into transferable miles as long as you have any of the Miles-earning cards.

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Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-5x
Airfare
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Car Rentals
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards
  • No Preset Spending Limit; Earns Capital One Miles

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • No Preset Spending Limit

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One Business Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 25.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Venture X Business
Author: Dave Grossman
Total Rating:
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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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Capital One Venture Business image

Capital One Venture Business

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(4.43) 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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$95

🎁 Bonus offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening
Get a 30% transfer bonus when you transfer Capital One Miles to JAL Mileage Bank.

Offer expires on Sep 30, 2026

Until September 30, 2026, 1,000 Capital One Miles gets you 975 JAL miles with this 30% transfer bonus.

Usually, 1,000 Capital One Miles will get you just 750 JAL miles.

Capital One added JAL Mileage Bank as a partner last September. The transfer ratio is sub-optimal at 2:1.5, but with this offer it is *almost* to 1:1. Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank.

I absolutely love JAL Mileage Bank. Just two days ago, I had a tweet go pretty viral about how I used just 42,000 JAL miles and paid $285 in tax for an Air France Business Class flight on their newest product from CDG to JFK when Air France Flying Blue wanted over 90,000 miles + $600 in fees. The guide will also point out that you can get great deals on one way flights but *killer* deals on round trip flights. And of course, if you are skilled you can grab First Class or Business Class on JAL itself at 360 days out (you have to be quick, though!)

Importantly, you cannot transfer points into JAL Mileage Bank from Capital One until your Mileage Bank account has been active for 7 days, so create that account right away whether you have a transfer in mind today or not.

Transfers should be instant.

JAL also offers a Round The World award (appealing now that ANA’s RTW is no more), but note that JAL miles “hard expire” 36 months from the date you earn them.

Need more Capital One Miles? We have 5 cards that earn Capital One Miles here.

Remember that with Capital One cards that earn cash back, you can convert the cash back into transferable miles as long as you have any of the Miles-earning cards.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.

2x-5x
Hotels
Estimated Rewards Value: 3.2%

Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.

2x-5x
Car Rentals
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Earn unlimited 2X miles on every purchase, everywhere—no limits, no category restrictions, and miles never expire.
  • Up to $220 in credits: $50 annual travel credit through Capital One Business Travel, up to $50 statement credit on purchases at qualifying advertising or software merchants, plus up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
  • Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
  • Flexible redemption: Transfer miles to 15+ travel loyalty programs or redeem instantly for any travel-related purchases, including flights, hotels, and rideshares.

Pros

  • Unlimited 2X Miles on purchases with no cap and a low annual fee
  • Capital One Miles transfer to a nice range of air and hotel partners
  • Available Statement credits can be worth more than the annual fee

Cons

  • No bonus categories outside of bookings via Capital One Business Travel
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 24.49% (Variable)
Balance
transfer fees:
Balance transfers are not available on Venture Business
Author: Dave Grossman
Total Rating:
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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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Capital One Spark Cash Review

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(4.25) 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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95

⚠️Offer Ending Soon

Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit when you spend $10,000 within 3 months of account opening

Bonus points for spend in the following bonus categories:

5% cash back on hotels and rental cars booked through Capital One Business Travel; 2% cash back otherwise.

2x-5x
Car Rentals
Estimated Rewards Value: 2%

5% cash back on hotels and rental cars booked through Capital One Business Travel; 2% cash back otherwise.

2x-5x
Hotels
Estimated Rewards Value: 2%
2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • Low annual fee with 2% Cash Back
  • No foreign transaction fees
  • No bonus categories except within the Capital One Business Travel Portal

Pros

  • Low annual fee with 2% Cash Back
  • No foreign transaction fees
  • High Early Spend Bonus (Welcome Bonus Offer)

Cons

  • Lacks a complete set of features and benefits that most annual fee cards have
  • Capital One does a hard pull with all 3 credit bureaus when you apply
  • Reports to your personal credit file
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 24.49% (Variable)
Balance
transfer fees:
Balance transfers are not available on Spark Cash
Author: Dave Grossman
Total Rating:
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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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Spark Cash Select Review

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(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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$0

☝ Increased Offer

Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening

Bonus points for spend in the following bonus categories:

5% cash back on hotels and rental cars booked through Capital One Business Travel; 1.5X miles per dollar otherwise.

1.5x-5x
Car Rentals
Estimated Rewards Value: 1.5%

5% cash back on hotels and rental cars booked through Capital One Business Travel; 1.5X miles per dollar otherwise.

1.5x-5x
Hotels
Estimated Rewards Value: 1.5%
1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • No annual fee
  • No foreign transaction fees
  • Earn 1.5% Cash back on all eligible purchases

Pros

  • No annual fee
  • No foreign transaction fees
  • Low minimum spend required to receive the Early Spend Bonus

Cons

  • Only earns 1.5% where other cards earn 2% back
  • Lacks a complete set of features and benefits that most annual fee cards have
  • Capital One does a hard pull with all 3 credit bureaus when you apply
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR on Purchases: 0 % Intro APR (on purchases for 9 months, 16.74%-26.74% thereafter)
Balance
transfer fees:
Balance transfers are not available on Spark Cash Select
Author: Dave Grossman
Total Rating:
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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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Spark Miles for Business

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(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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $95

🎁 Bonus offer

50,000 Miles once you spend $4,500 on purchases within 3 months from account opening

Get a 30% transfer bonus when you transfer Capital One Miles to JAL Mileage Bank.

Offer expires on Sep 30, 2026

Until September 30, 2026, 1,000 Capital One Miles gets you 975 JAL miles with this 30% transfer bonus.

Usually, 1,000 Capital One Miles will get you just 750 JAL miles.

Capital One added JAL Mileage Bank as a partner last September. The transfer ratio is sub-optimal at 2:1.5, but with this offer it is *almost* to 1:1. Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank.

I absolutely love JAL Mileage Bank. Just two days ago, I had a tweet go pretty viral about how I used just 42,000 JAL miles and paid $285 in tax for an Air France Business Class flight on their newest product from CDG to JFK when Air France Flying Blue wanted over 90,000 miles + $600 in fees. The guide will also point out that you can get great deals on one way flights but *killer* deals on round trip flights. And of course, if you are skilled you can grab First Class or Business Class on JAL itself at 360 days out (you have to be quick, though!)

Importantly, you cannot transfer points into JAL Mileage Bank from Capital One until your Mileage Bank account has been active for 7 days, so create that account right away whether you have a transfer in mind today or not.

Transfers should be instant.

JAL also offers a Round The World award (appealing now that ANA’s RTW is no more), but note that JAL miles “hard expire” 36 months from the date you earn them.

Need more Capital One Miles? We have 5 cards that earn Capital One Miles here.

Remember that with Capital One cards that earn cash back, you can convert the cash back into transferable miles as long as you have any of the Miles-earning cards.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

2x-5x
Car Rentals
Estimated Rewards Value: 3.2%

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

2x-5x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Earns 2X Capital One Miles on all purchases
  • No foreign transaction fees
  • Can purchase passes for Capital One Lounges and Landings at a special rate of $45

Pros

  • Earns 2X Capital One Miles on all purchases
  • Global Entry (up to $120) / TSA PreCheck (up to $85) Reimbursement every four years
  • Can purchase passes for Capital One Lounges at a special rate of $45

Cons

  • $95 annual fee after the first year
  • Can only use the miles towards travel. There is no way to convert miles to cash.
  • No complimentary access to Capital One lounges, but can purchase passes at a special rate of $45
Annual Fee: $0 Introductory Annual Fee for the first year, then $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 24.49% (Variable)
Balance
transfer fees:
Balance transfers are not available on Spark Miles
Author: Dave Grossman
Total Rating:
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YBCC Card Rate Stars Empty

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.

Last Updated: September 5, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image
Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image
Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Your account has been successfully created!

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