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 think about 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 truth, the 2 playing cards are so comparable that you just might need bother telling them aside apart from their names.
Nevertheless it’s price delving into their variations to find out whether or not the Capital One Enterprise or Capital One Spark Miles for Enterprise will likely be a more sensible choice in your wants and which card’s advantages you’ll be able to higher leverage for rewards.
Let’s evaluate how the Capital One Spark Enterprise and Enterprise Rewards fare towards each other that can assist you resolve between them.
Capital One Enterprise vs. Capital One Spark Miles for Enterprise comparability
| Capital One Enterprise Rewards Credit score Card | Capital One Spark Miles for Enterprise | |
|---|---|---|
| Welcome provide | Earn 75,000 bonus miles once you spend $4,000 on purchases inside the first three months from account opening. | Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months of account opening |
| Annual charge | $95 | $0 the primary 12 months, then $95 |
| Incomes | 5 miles per greenback on lodges and rental vehicles booked by way of Capital One Journey
2 miles per greenback on each buy |
5 miles per greenback on lodges and rental vehicles booked by way of Capital One Journey
2 miles per greenback on each buy |
| Redeeming | Miles switch to 15-plus airline and lodge companions
1 cent per mile towards travel-related purchases 0.5 cents per mile for different assertion credit |
Miles switch to 15-plus airline and lodge companions
1 cent per mile towards travel-related purchases 0.5 cents per mile for different assertion credit |
| Different advantages | As much as $120 International Entry or TSA PreCheck assertion credit score each 4 years
No overseas transaction charges Journey accident & secondary auto rental protection* Prolonged guarantee* |
As much as $120 International Entry or TSA PreCheck assertion credit score each 4 years
No overseas transaction charges Auto rental protection Free worker playing cards Account and enterprise administration instruments Prolonged guarantee |
*Advantages solely out there to accounts accredited for the Visa Signature card. Phrases apply.
Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise welcome provide
The Capital One Spark Miles for Enterprise is presently providing 50,000 miles after spending $4,500 on purchases inside the first three months of account opening. The $95 annual charge 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
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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 charge, as does the Spark Miles for Enterprise, though the Spark Miles for Enterprise waives it for the primary 12 months.
Each playing cards provide a press release credit score of as much as $120 for a International Entry or TSA PreCheck utility as soon as each 4 years, which will help cut back waits at airport safety and immigration.
The Capital One Spark Miles for Enterprise and Enterprise Rewards additionally prolong automotive rental insurance coverage when utilizing the cardboard to lease an eligible car to cowl collision, injury, and theft.
Each playing cards prolong producer warranties of three years or much less as much as a further 12 months.
Each playing cards insure misplaced baggage as much as $3,000 however do not count on the complete suite of journey protections you may see on another extra premium playing cards.
Cardholders of both card even have entry to Way of life Assortment lodges and trip leases. When reserving by way of 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 price cash so as to add licensed customers, similar to workers with the Capital One Spark Miles for Enterprise.
Winner: Tie.
Advantages solely out there to accounts accredited 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 buildings. They earn a minimum of 2 miles per greenback on each buy, and the variety of miles you’ll be able to earn is limitless.
Which means you may 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 number of the finest choices for on a regular basis spending.
In addition they each earn 5 miles per greenback on lodges and rental vehicles booked by way of Capital One Journey.
Winner: Tie. Each playing cards have the identical incomes construction.
Associated: One of the best Capital One bank cards
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Spark Miles for Enterprise
One of many principal promoting factors of each playing cards is the sheer selection and worth you’ll be able to take pleasure in when redeeming the miles they earn. With each playing cards, your choices are the identical, so you will not take pleasure in a bonus from one over the opposite. That stated, it is nonetheless price reviewing all the probabilities.
Let’s begin with the best — Capital One miles earned with both card are redeemable for journey at a fee of 1 cent apiece. You should use your miles to make reservations, similar to flights or lodge stays, straight by way of Capital One Journey. You may also redeem miles for current travel-related purchases, similar to trip leases, lodges, airline flights, cruises, and many others. So, your return on spending with both card is a stable 2%.
Should you redeem your miles for money again towards different fees with both card, you get a mere half-cent per mile in worth. This brings down your return on spending to simply 1%, so it is best to keep away from this and use a special 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 economic system flights underneath 500 miles for simply 6,000 Aeroplan factors. Or, you’ll be able to e book transcontinental business-class awards for simply 25,000 factors every approach — effectively beneath what United would cost should you booked by way of its MileagePlus program.
Winner: Tie. The 2 playing cards earn the identical sort 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?
Associated: Why the Capital One Enterprise Rewards bank card nonetheless has a spot in our wallets
Backside line
For extra particulars, learn our full critiques of the Enterprise Rewards and Spark Miles for Enterprise.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Spark Miles for Enterprise
For Capital One merchandise listed on this web page, a number of the above advantages are supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
