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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs Chase Sapphire Preferred

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

Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Chase Sapphire Preferred card art
Chase Ultimate Rewards
Chase Sapphire Preferred
Chase
More Info
Annual Fee
$150/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
75,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • Chase Travel 5x
  • Dining 3x
  • Streaming 3x
Reward Type
cashback
miles
Key Credits
None
  • hotel stays purchased through Chase Travel. $50
  • DoorDash Credit $10
Card Perks
None listed
  • DoorDash Dashpass (~$100/yr)
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
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Common Questions: Capital One Spark Cash Plus vs Chase Sapphire Preferred

Is the Capital One Spark Cash Plus or Chase Sapphire Preferred better for dining?

Capital One Spark Cash Plus has no dining bonus; Chase Sapphire Preferred earns 3x on dining.

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). Chase Sapphire Preferred offers 75,000 pts signup bonus (spend $5,000 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 Capital One Spark Cash Plus and the Chase Sapphire Preferred?

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