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All comparisons
Head-to-head, 2026

Capital One Spark Cash Plus Capital One Venture Rewards

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One Venture RewardsBigger welcome offer: Capital One Spark Cash Plus

Capital One

Spark Cash Plus

Annual fee
$150
Network
visa
Welcome value
$4,000
Min spend
$30,000 / 3mo

Top earning rates

  • 5×hotels · Capital One Spark Cash Back
  • 5×rental cars · Capital One Spark Cash Back
  • 2×all other purchases · Capital One Spark Cash Back

Key benefits

  • No Preset Spending Limit · $500
  • Annual Fee Refund (Spend Tier) · $150
  • Free Employee Cards · $100
  • Account Managers · $50
  • Purchase Record Downloads · $50
Full Capital One Spark Cash Plus review

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×hotels · Capital One Miles
  • 5×rental cars · Capital One Miles
  • 2×all other purchases · Capital One Miles

Key benefits

  • Airport Lounge Visits · $130
  • Global Entry / TSA PreCheck Credit · $100
  • Hertz Five Star Status · $100
  • No Foreign Transaction Fees · $30
Full Capital One Venture Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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