Card Comparison
American Express Plum Card vs Capital One Spark Miles
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$250/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
None
50,000 points
Spend $4,500 in 3 months
Top Earn Rates
- All Purchases 1.5x
- hotels and rental cars booked through Capital One Business Travel 5x
- All Other Purchases 2x
Reward Type
cashback
miles
Key Credits
- 1.5% Early Pay Discount $0
- Global Entry or TSA PreCheck $120
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
Common Questions: American Express Plum Card vs Capital One Spark Miles
Is the American Express Plum Card or Capital One Spark Miles 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 Miles offers 50,000 pts signup bonus (spend $4,500 in 3 months). Capital One Spark Miles 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 Miles?
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 Miles is from Capital One, so they're governed by separate bank policies.