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CardCurator — Rewards Intelligence
Card Comparison

Capital One Spark Cash Plus vs Southwest Premier

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 Premier card art
Southwest Rapid Rewards
Southwest Premier
Chase
More Info
Annual Fee
$150/yr
$149/yr
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
  • Southwest Purchases 3x
  • Grocery Stores and Restaurants 2x
  • All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Spend Milestones
No milestones
  • 1,500 Tier Qualifying Points toward A-List status
    After $5,000 spend
Transfer Partners
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
No transfer partners
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Common Questions: Capital One Spark Cash Plus vs Southwest Premier

Is the Capital One Spark Cash Plus or Southwest Premier better for dining?

Capital One Spark Cash Plus has no dining bonus; Southwest Premier earns 2x 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). Southwest Premier offers 85,000 pts signup bonus (spend $3,000 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 Premier?

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 Premier is from Chase, so they're governed by separate bank policies.