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CardCurator — Rewards Intelligence
Card Comparison

AT&T Points Plus Card vs Capital One Spark Cash Plus

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

AT&T Points Plus Card card art
Citi ThankYou Points
AT&T Points Plus Card
Citi
More Info
Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Annual Fee
No annual fee
$150/yr
Foreign Fees
3%
None
Signup Bonus
20,000 points
Spend $1,000 in 3 months
200,000 points
Spend $30,000 in 3 months
Top Earn Rates
  • gas and EV charging stations 3x
  • grocery stores, including grocery delivery services 2x
  • All Other Purchases 1x
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • AT&T wireless bills $20
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: AT&T Points Plus Card vs Capital One Spark Cash Plus

Is the AT&T Points Plus 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?

AT&T Points Plus Card currently offers 20,000 pts signup bonus (spend $1,000 in 3 months). 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?

Capital One Spark Cash Plus charges no foreign transaction fees — the better pick for international use. AT&T Points Plus Card charges 3% on foreign purchases.

Can I hold both the AT&T Points Plus 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. AT&T Points Plus Card is from Citi and Capital One Spark Cash Plus is from Capital One, so they're governed by separate bank policies.