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Capital One Venture X Business Capital One Venture X Business image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Venture X Business

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

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 Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 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 just 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. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. 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. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

Importantly, you cannot transfer points into JAL Mileage Bank 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 does offer 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.

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
🔔 Notify me of bonus offer changes
  • 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.

Balance
transfer fees: Balance transfers are not available on Venture X Business
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Venture Business image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Venture Business

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

⌛ Limited Time Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
Get a 30% transfer bonus when you transfer Capital One Miles to Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 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 just 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. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. 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. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

Importantly, you cannot transfer points into JAL Mileage Bank 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 does offer 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.

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
🔔 Notify me of bonus offer changes
  • 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:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Spark Cash Plus Capital One Spark Cash Plus image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Spark Cash Plus

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

🎁 Bonus offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

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
🔔 Notify me of bonus offer changes
  • 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! 😉

Balance
transfer fees: Balance transfers are not available on Spark Cash Plus
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Venture X Rewards Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Get a 30% transfer bonus when you transfer Capital One Miles to Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 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 just 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. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. 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. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

Importantly, you cannot transfer points into JAL Mileage Bank 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 does offer 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.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

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

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

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

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

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

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
🔔 Notify me of bonus offer changes
  • 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.
  • Access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

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
  • Authorized users also get the upgraded Hertz status like the primary card holder

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One 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: 19.49%-28.49% (Variable)
Balance
transfer fees: Balance Transfer Fee applies to balances transferred at a promotional rate
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Venture Rewards Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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:
Good (670-739) *
Annual Fee:
$95

🎁 Bonus offer

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Get a 30% transfer bonus when you transfer Capital One Miles to Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 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 just 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. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. 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. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

Importantly, you cannot transfer points into JAL Mileage Bank 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 does offer 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.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X when booked through Capital One Travel; else earn 2X (Includes Vacation Rentals)

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

Earn 5X when booked through Capital One Travel; else earn 2X

2x-5x
Car Rentals
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
🔔 Notify me of bonus offer changes
  • Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
  • Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
  • Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.

Pros

  • Great sign-up bonus
  • Easy 2X Miles on all eligible purchases
  • Hertz Five Star elite status

Cons

  • Not as strong travel protections as the more robust Capital One Venture X Credit Card
  • No complimentary access to Capital One lounges or Landings, but can purchase passes at a special rate of $45
  • While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
Annual Fee: $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: 19.49%-28.49% (Variable)
Balance
transfer fees: Balance Transfer Fee applies to balances transferred at a promotional rate
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Spark Cash Review Capital One Spark Cash Review image
Card Details
How to apply
🔔 Notify me of bonus offer changes

Capital One Spark Cash Review

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(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

🎁 Bonus offer

Earn a $1,000 cash bonus 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
🔔 Notify me of bonus offer changes
  • 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:
YBCC Card Rate Stars Filled
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: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Capital One Spark Cash Select Review Capital One Spark Cash Select Review image
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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%
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  • 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: 16.74%-22.74% (Variable)
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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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How to apply
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Capital One VentureOne Rewards Credit Card

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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:
Good (670-739) *
Annual Fee:
$0

🎁 Bonus offer

Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
Get a 30% transfer bonus when you transfer Capital One Miles to Japan Airlines (JAL) Mileage Bank.

Offer expires on Apr 30, 2026

Until April 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 just 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. This is now their third transfer bonus in that time, making me think that they aren’t getting a lot of uptake on the transfers at 2:1.5. 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. Unfortunately the JetBlue partnership ended yesterday and that was a great one. In almost all cases, you will save substantially when booking a round trip on JAL partners / oneworld.

Importantly, you cannot transfer points into JAL Mileage Bank 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 does offer 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.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar. Includes Vacation Rentals

1.25x-5x
Hotels
Estimated Rewards Value: 2%

Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.25X miles per dollar.

1.25x-5x
Car Rentals
Estimated Rewards Value: 2%
1.25x
Everything Else
Estimated Rewards Value: 2%
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  • Earns valuable Capital One miles with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
  • 5X miles per dollar on hotels and rental cars booked via the Capital One Travel portal.
  • Simple flat-rate earning structure with 1.25X miles per dollar on other eligible purchases.

Pros

  • Decent sign-up bonus with no annual fee
  • No foreign transaction fees
  • Solid array of travel and purchase protections

Cons

  • Not as strong travel and purchase protections as the more robust (and expensive) Capital One Venture X Credit Card
  • 1.25X per dollar is a fairly weak earning rate compared to the Venture or Venture X Cards
  • While the card is simple to use, there is effectively a lack of real bonus categories unlike some of its competitors
Annual Fee: $0
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: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees: Balance transfer fee applies
Author: Chris Dong
Editor: 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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card image
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How to apply
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Capital One Savor Cash Rewards Credit Card

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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

🎁 Bonus offer

Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Bonus points for spend in the following bonus categories:

3x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3x
Streaming Services
Estimated Rewards Value: 3%
3x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3%
3x
Supermarkets
Estimated Rewards Value: 3%

Only earns 5% when booked via Capital One Travel; else earn 1%

1x-5x
Car Rentals
Estimated Rewards Value: 1%

Only earns 5% when booked via Capital One Travel; else earn 1%

1x-5x
Hotels
Estimated Rewards Value: 1%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
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  • No annual fee
  • Earn 3% cash rewards on popular categories
  • No foreign transaction fee

Pros

  • No annual fee
  • Earns 3% back on dining and at grocery stores
  • Excellent Intro 0% APR offers

Cons

  • Only earns 1% cash back on non-bonus categories
  • Does not come with any fancy benefits like airport lounge access
  • Must book via Capital One Travel to get 5% cash back on hotels, vacation rentals, and rental cars
Annual Fee: $0
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
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: 0 % Intro APR (on purchases for 12 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 12 months, 18.49%-28.49% thereafter)
Balance
transfer fees: Balance transfer fee applies
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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card image
Card Details
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Capital One Quicksilver Cash Rewards Credit Card

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(3.8) 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

🎁 Bonus offer

Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Bonus points for spend in the following bonus categories:

Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back

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

Includes vacation rentals; Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back

1.5x-5x
Hotels
Estimated Rewards Value: 1.5%
1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • Earn 1.5% cash back on all purchases
  • No foreign transaction fees
  • No annual fee

Pros

  • An easy 1.5% cash back on all purchases
  • No foreign transaction fees
  • No annual Fee

Cons

  • No bonus categories outside of using Capital One portals for hotels, vacation rentals, and car rentals
  • Lacks a wide range of travel or shopping protections
  • 1.5% is not the highest cash back offering on the market
Annual Fee: $0
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
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: 0 % Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Balance
transfer fees: Balance transfer fee applies
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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Capital One Venture Business

Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more

Bonus Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

Card Details How to apply
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Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more

Bonus Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.

Card Details
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Chase Sapphire Preferred® Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 6 more

Bonus Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Card Details
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Chase Sapphire Reserve®

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more

Bonus Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Card Details
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more

Bonus Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

Card Details
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Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more

Bonus Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Card Details
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Chase Ink Business Unlimited® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details
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Chase Ink Business Cash® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details
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Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend

Bonus Offer

Earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash. Subject to approval.

Card Details Apply Now
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Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Bonus Offer

Welcome offer: $200 of Bilt Cash when you apply and get approved.

Card Details Apply Now

Calculation

Featured Credit Cards

Personalized rewards

Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

Personal or business card?:

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Points
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Total Spend: $0/mo
Dining Out / Food Delivery

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0
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Supermarkets

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0 10000
Airfare

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0 10000
Hotels

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0 10000
Car Rentals

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Gas Stations

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0 10000
EV Charging

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0 10000
Cruises

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0 10000
Transit

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0
0 10000
Drugstores

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0
0 10000
Cable / Internet / Phone

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0
0 10000
Cellular Phone Service

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0
0 10000
Office Supplies

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0
0 10000
Rent / Mortgage

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0
0 10000
Streaming Services

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0
0 10000
Gym Memberships

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0
0 10000
Advertising (Online / TV / Radio)

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0
0 10000
U.S. Electronic Goods Retailers / Software / Cloud System Providers

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0
0 10000
Construction Materials / Hardware Supplies

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0
0 10000
Online Retail Shopping

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0
0 10000
Amazon / Whole Foods

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0
0 10000
Entertainment (Concerts / Shows / Movies)

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0
0 10000
Costco

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0
0 10000
Lyft

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0
0 10000
Advertising on Search Engines and Social Media

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0
0 10000
Shipping

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0
0 10000
Single Charges over $5,000

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0
0 10000
Total Spend: $0/mo
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