Spark Cash vs Spark Cash Plus

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Spark Cash

Capital One

Spark Cash Plus

Capital One

Economics

Annual fee

$95

$55/yr less

$150

Ongoing annual value

$224

$147/yr more

$77

Net value (value − fee)

$129

$202/yr more

−$73

First-year value estimate

$1,110

$1,960

$850/yr more

Authorized user fee

—

Sign-up Bonus

Current offer

Limited Time Offer: $1K bonus cashback + $250 Capital One Business Travel credit after $10K spend in the first 3 months from account opening(Offer Expires 9/7/2026), $0 introductory annual fee for the first year

Limited Time Offer: a $2K cash bonus + $500 Capital One Business Travel credit when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.(Offer Expires 9/7/2026) + Cash Back

Earning

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

—

Annual Fee Refund: $150 (Annual Cardmember Year)

Lounge access

—

Elite status

—

Protections

The same on both cards (8)

Foreign transaction fee

None

Issuer

Capital One

Rewards currency

Capital One Miles

Card type

Business

Network

Visa

All other purchases

Hotels booked through Capital One Travel

Rental cars booked through Capital One Travel

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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