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Spark Cash vs Spark Cash Select
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 Select
Capital One
Economics
Annual fee
$95
$0
$95/yr less
Ongoing annual value
$224
$270
$46/yr more
Net value (value − fee)
$129
$270
$141/yr more
First-year value estimate
$1,110
$456/yr more
$654
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
$750 cash back when you spend $6K within the first 3 months
Earning
Hotels booked through Capital One Business Travel
—
5%
Hotels booked through Capital One Travel
5%
—
Rental cars booked through Capital One Business Travel
—
5%
Rental cars booked through Capital One Travel
5%
—
All other purchases
2%
1.5%
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
—
—
Lounge access
—
—
Elite status
—
—
Protections
6
4
The same on both cards (5)
Foreign transaction fee
None
None
Issuer
Capital One
Capital One
Rewards currency
Capital One Miles
Capital One Miles
Card type
Business
Business
Network
Visa
Visa
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 getNo ads, no paid placement · Your wallet, your math