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All comparisons
Head-to-head, 2026

Capital One Spark Cash Capital One Venture X Business

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

Capital One

Spark Cash

Annual fee
$95
Network
visa
Welcome value
$1,250
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Hotels and rental cars
  • 2×Every purchase

Key benefits

  • Accounts Payable · $0
  • Expense management software · $0
  • Year-end summaries · $0
  • Roadside assistance · $0
  • No foreign transaction fees · $0
Full Capital One Spark Cash review

Capital One

Venture X Business

Annual fee
$395
Network
visa
Welcome value
—
Min spend
$30,000 / 3mo

Top earning rates

  • 10×Hotels and rental cars
  • 5×Flights and vacation rentals
  • 2×Every purchase

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection $100 experience credit · $100
  • Capital One Lounge and Landing access · $0
  • Extended warranty protection · $0
  • Priority Pass membership · $0
Full Capital One Venture X Business 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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