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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Capital One Spark Cash Plus

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

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Annual Fee
$95/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
200,000 points
Spend $30,000 in 3 months
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: Bank of America Premium Rewards vs Capital One Spark Cash Plus

Is the Bank of America Premium Rewards or Capital One Spark Cash Plus better for dining?

Bank of America Premium Rewards earns 2x on dining; Capital One Spark Cash Plus has no dining bonus.

Which has the higher signup bonus in 2026?

Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 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?

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

Can I hold both the Bank of America Premium Rewards 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. Bank of America Premium Rewards is from Bank of America and Capital One Spark Cash Plus is from Capital One, so they're governed by separate bank policies.