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All comparisons
Head-to-head, 2026

Capital One Spark Cash Plus Capital One Venture X 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 Spark Cash PlusBigger welcome offer: Capital One Spark Cash Plus

Capital One

Spark Cash Plus

Annual fee
$95
Network
visa
Welcome value
$2,000
Min spend
$30,000 / 3mo

Top earning rates

  • 5×Hotels
  • 5×Rental cars
  • 2×All purchases

Key benefits

  • Annual fee refund (Spend Tier) · $150
  • Roadside assistance · $0
  • No foreign transaction fees · $0
  • Extended warranty · $0
  • Capital One Business Travel access · $0
Full Capital One Spark Cash Plus review

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels · Capital One Miles
  • 10×Rental cars · Capital One Miles
  • 5×Flights · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Complimentary PRIOR subscription · $149
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection vacation rental experience credit · $100
  • Premier Collection hotel experience credit · $100
Full Capital One Venture X 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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