Card Comparison
Capital One Spark Cash Plus vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$150/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
None
Top Earn Rates
- Hotels and rental cars booked through Capital One Travel 5x
- All Other Purchases 2x
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +16 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Capital One Spark Cash Plus vs Citi Thank You
Is the Capital One Spark Cash Plus or Citi Thank You 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). Citi Thank You offers no current bonus. 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 Citi Thank You?
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 Citi Thank You is from Citi, so they're governed by separate bank policies.