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CardCurator — Rewards Intelligence
Card Comparison

American Express Plum Card vs Capital One Spark Cash Plus

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Plum Card card art
American Express Membership Rewards
American Express Plum Card
American Express
More Info
Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Annual Fee
$250/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
None
200,000 points
Spend $30,000 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
Reward Type
cashback
cashback
Key Credits
  • 1.5% Early Pay Discount $0
None
Card Perks
  • Choose the time most convenient for your business to receive your bill each month. Just let us know and we'll adjust it for you
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: American Express Plum Card vs Capital One Spark Cash Plus

Is the American Express Plum Card or Capital One Spark Cash Plus better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

American Express Plum Card currently offers no current bonus. Capital One Spark Cash Plus offers 200,000 pts signup bonus (spend $30,000 in 3 months). Capital One Spark Cash Plus has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Plum Card and the Capital One Spark Cash Plus?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Plum Card is from American Express and Capital One Spark Cash Plus is from Capital One, so they're governed by separate bank policies.