Spark 1.5% Cash Select vs Venture X
Spark 1.5% Cash Select
$0/yr
7.0/10
VS
Venture X
$395/yr
7.5/10
Quick Answer
Spark 1.5% Cash Select charges no annual fee with 1X base rewards. Venture X charges $395/yr with 1X base rewards. Spark 1.5% Cash Select offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Spark 1.5% Cash Select →
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Winner by Category
Annual Fees
Spark 1.5% Cash Select
Lower annual fee ($0 vs $395)
Rewards Earning
Venture X
4 earning categories
Benefits & Protection
Venture X
7 benefits vs 0
Statement Credits
Venture X
$325 in annual credits
Flexibility
Venture X
Transferable points to airline/hotel partners
OUR PICK
Spark 1.5% Cash Select wins for most people
The $395 fee difference is hard to justify unless you maximize premium benefits.
Apply for Spark 1.5% Cash SelectPREMIUM PICK
Venture X wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Venture XRewards Earning: Detailed Comparison
Spark 1.5% Cash Select
| Everything | 1.5X |
Venture X
| Hotels and rental cars via Capital One Travel | 10.0X |
| Flights and vacation rentals via Capital One Travel | 5.0X |
| Capital One Entertainment | 5.0X |
| Everything else | 2.0X |
Card Benefits: Detailed Comparison
Spark 1.5% Cash Select (0 benefits)
No benefits data available
Venture X (7 benefits)
- Trip Cancellation/Interruption (up to $2,000)
- Trip Delay Reimbursement (up to $500)
- Auto Rental Collision Coverage
- Purchase Protection (up to $500)
- Extended Warranty
- Capital One Lounge + Plaza Premium
- Global Entry/TSA PreCheck Credit (up to $100)