Card Comparison
Capital One Spark Cash Plus vs Capital One Spark Miles
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$150/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
50,000 points
Spend $4,500 in 3 months
Top Earn Rates
- Hotels and rental cars booked through Capital One Travel 5x
- All Other Purchases 2x
- hotels and rental cars booked through Capital One Business Travel 5x
- All Other Purchases 2x
Reward Type
cashback
miles
Key Credits
None
- Global Entry or TSA PreCheck $120
Transfer Partners
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +16 more
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +16 more
Common Questions: Capital One Spark Cash Plus vs Capital One Spark Miles
Is the Capital One Spark Cash Plus 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?
Capital One Spark Cash Plus currently offers 200,000 pts signup bonus (spend $30,000 in 3 months). Capital One Spark Miles offers 50,000 pts signup bonus (spend $4,500 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 Capital One Spark Cash Plus 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. Both cards are from Capital One, so check their specific application rules.