Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs Southwest Performance Business

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
Southwest Performance Business card art
Southwest Rapid Rewards
Southwest Performance Business
Chase
More Info
Annual Fee
$150/yr
$299/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
80,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • Southwest Airlines 4x
  • Rapid Rewards Hotel and Car Rental Partners 3x
  • Social Media and Search Engine Advertising, Internet, Cable and Phone Services 2x
Reward Type
cashback
miles
Key Credits
None
  • WiFi Credit $8
  • Global Entry / TSA PreCheck $100
Card Perks
None listed
  • Four Upgraded Boardings Per Year
  • In-Flight WiFi Credits
  • 1,500 Tier Qualifying Points
  • +1 more
Spend Milestones
No milestones
  • 1,500 Tier Qualifying Points toward A-List status
    After $10,000 spend
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
Open full comparison tool Compare more cards

Common Questions: Capital One Spark Cash Plus vs Southwest Performance Business

Is the Capital One Spark Cash Plus or Southwest Performance Business 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). Southwest Performance Business offers 80,000 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 Southwest Performance Business?

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 Southwest Performance Business is from Chase, so they're governed by separate bank policies.