Capital One Enterprise Rewards vs. Capital One Spark Miles: Must you get the private or enterprise card?

The Capital One Enterprise Rewards Credit score Card is among the many hottest journey rewards bank cards. However earlier than making use of, you may need to contemplate the Capital One Enterprise’s small-business counterpart — the Capital One Spark Miles for Enterprise.

Just like the Enterprise Rewards, the Spark Miles for Enterprise earns 2 miles per greenback on each buy. It permits cardholders to redeem their miles for journey purchases and switch them to Capital One’s 15-plus airline and lodge companions. In reality, the 2 playing cards are so comparable that you just may need bother telling them aside aside from their names.

But it surely’s value delving into their variations to find out whether or not the Capital One Enterprise or Capital One Spark Miles for Enterprise might be a more sensible choice on your wants and which card’s advantages you may higher leverage for rewards.

Let’s evaluate how the Capital One Spark Enterprise and Enterprise Rewards fare in opposition to each other that will help you resolve between them.

Capital One Enterprise vs. Capital One Spark Miles for Enterprise comparability

*Advantages solely out there to accounts permitted for the Visa Signature card. Phrases apply.

Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise welcome provide

The Capital One Enterprise Rewards is providing 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.

The Capital One Spark Miles for Enterprise is at present providing 50,000 miles after spending $4,500 on purchases throughout the first three months of account opening. The $95 annual price is waived for the primary 12 months.

Winner: Capital One Enterprise. It has the next sign-up bonus with a barely decrease spending requirement.

Associated: 7 causes to get the Capital One Enterprise Rewards card

Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise advantages

Though these playing cards provide comparable advantages, their variations largely come right down to the truth that the Capital One Enterprise Rewards is a private bank card, and the Capital One Spark Miles for Enterprise is a enterprise bank card.

The Enterprise Rewards has a $95 annual price, as does the Spark Miles for Enterprise, though the Spark Miles for Enterprise waives it for the primary 12 months.

Each playing cards provide an announcement credit score of as much as $120 for a International Entry or TSA PreCheck software as soon as each 4 years, which may also help cut back waits at airport safety and immigration.

The Capital One Spark Miles for Enterprise and Enterprise Rewards additionally prolong automobile rental insurance coverage when utilizing the cardboard to lease an eligible automobile to cowl collision, injury, and theft.

Each playing cards prolong producer warranties of three years or much less as much as an extra 12 months.

Each playing cards insure misplaced baggage as much as $3,000 however do not anticipate the total suite of journey protections you will see on another extra premium playing cards.

Cardholders of both card even have entry to Life-style Assortment accommodations and trip leases. When reserving by the Capital One Journey portal, cardholders obtain a $50 expertise credit score to make use of throughout every keep and obtain perks like room upgrades, late checkout and early check-in, when out there.

Neither card fees overseas transaction charges when making purchases outdoors of the U.S., nor does it value cash so as to add approved customers, equivalent to workers with the Capital One Spark Miles for Enterprise.

Winner: Tie.

Advantages solely out there to accounts permitted for the Visa Signature card. Phrases apply.

Incomes miles on the Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise

The 2 playing cards have the identical incomes constructions. They earn a minimum of 2 miles per greenback on each buy, and the variety of miles you may earn is limitless.

Meaning you will earn 2 miles per greenback on each buy you make — like that new TV or sofa you’ve got been coveting — with no annual limits to fret about. This makes each playing cards a few of the finest choices for on a regular basis spending.

Additionally they each earn 5 miles per greenback on accommodations and rental vehicles booked by Capital One Journey.

Winner: Tie. Each playing cards have the identical incomes construction.

Associated: The perfect Capital One bank cards

Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise

One of many major promoting factors of each playing cards is the sheer selection and worth you may get pleasure from when redeeming the miles they earn. With each playing cards, your choices are the identical, so you will not get pleasure from a bonus from one over the opposite. That mentioned, it is nonetheless value reviewing all the chances.

Let’s begin with the only — Capital One miles earned with both card are redeemable for journey at a fee of 1 cent apiece. You need to use your miles to make reservations, equivalent to flights or lodge stays, immediately by Capital One Journey. You can even redeem miles for latest travel-related purchases, equivalent to trip leases, accommodations, airline flights, cruises, and many others. So, your return on spending with both card is a strong 2%.

In case you redeem your miles for money again in opposition to different fees with both card, you get a mere half-cent per mile in worth. This brings down your return on spending to only 1%, so it is best to keep away from this and use a unique cash-back card with out particular redemption class restrictions.

Winner: Tie.

Associated: Cashing in Capital One miles? The way to get the utmost worth when redeeming miles

Transferring miles on the Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise

Nonetheless, issues get extra thrilling as a result of Capital One has 15-plus journey switch companions and miles switch to most at a 1:1 ratio.

Three of TPG bank cards author Augusta Stone’s favourite companions are Air Canada Aeroplan, Air France-KLM Flying Blue and Turkish Airways Miles&Smiles. Aeroplan candy spots, for instance, embrace short-haul financial system flights underneath 500 miles for simply 6,000 Aeroplan factors. Or, you may e book transcontinental business-class awards for simply 25,000 factors every manner — effectively under what United would cost for those who booked by its MileagePlus program.

Winner: Tie. The 2 playing cards earn the identical kind of miles and have the identical switch choices.

Associated: The way to switch Capital One miles to airline and lodge companions

Ought to I get the Capital One Enterprise Rewards or Capital One Spark Miles for Enterprise?

The Capital One Enterprise Rewards and Capital One Spark Miles for Enterprise are each glorious journey rewards bank cards. Their easy-to-understand incomes construction is easy to leverage on on a regular basis bills. You need to use miles by the Capital One journey portal or switch them to companions. You probably have a enterprise, look into making use of for each playing cards to earn rewards on private and enterprise purchases.

Associated: Why the Capital One Enterprise Rewards bank card nonetheless has a spot in our wallets

Backside line

Relating to the Capital One Spark Enterprise vs. Enterprise Rewards, if both card has been in your radar for some time and you have delay making use of for one motive or one other, they’re good choices to earn a flat 2 miles per greenback spent on most purchases. With both card, you may’t go fallacious, particularly in case you have some particular methods in thoughts to redeem your Capital One miles when you rack them up.

For extra particulars, learn our full critiques of the Enterprise Rewards and Spark Miles for Enterprise.

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Study extra: Capital One Enterprise Rewards
Study extra: Capital One Spark Miles for Enterprise

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For Capital One merchandise listed on this web page, a few of the above advantages are offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.