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Side-by-side

Capital One Venture Business vs Citi Custom Cash

Both are well-respected travel cards. The Capital One Venture Business comes from Capital One at $95/yr; the Citi Custom Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Capital One Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,575 more in estimated value) than the Citi Custom Cash's. Get the Capital One Venture Business first; revisit the Citi Custom Cash after you've earned that bonus.

FeatureCapital One Venture BusinessCiti Custom Cash
Annual fee$95$0
Sign-up bonusUp to 150,000 miles$200 cash back
Bonus value (est.)$2,775$200
Min spend to unlock bonus$30,000 in 6 mo$1,500 in 6 mo
IssuerCapital OneCiti
Card categorybusinesscashback
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneciti-ty
Headline benefits
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
  • 5% on top category
  • Auto-selected monthly
  • No annual fee
  • Convert to TY Points
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles
Read the full review
Citi Custom Cash
$0/yr · $200 cash back

Editorial take: Capital One Venture Business

Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.

Editorial take: Citi Custom Cash

Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.

Common questions

Which card has the bigger sign-up bonus, Capital One Venture Business or Citi Custom Cash?
The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, versus $200 cash back (~$200) on the Citi Custom Cash.
Is the Capital One Venture Business's $95 annual fee worth it compared to the Citi Custom Cash?
At $95/yr, the Capital One Venture Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Custom Cash's, pick the one whose perks you'll actually use.
Can I have both the Capital One Venture Business and Citi Custom Cash?
Yes, since they're from different issuers (Capital One and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Capital One Venture Business or the Citi Custom Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture Business: $30,000 spend in 6 months. Citi Custom Cash: $1,500 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.