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BECU Low Rate Credit Card vs Capital One Spark Cash Plus
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Capital One Spark Cash Plus from Capital One at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash Plus is the stronger pick today, the sign-up bonus is meaningfully larger ($2,000 more in estimated value) than the BECU Low Rate Credit Card's. Get the Capital One Spark Cash Plus first; revisit the BECU Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Low Rate Credit Card | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | No welcome bonus | $2,000 cash bonus |
| Bonus value (est.) | $0 | $2,000 |
| Min spend to unlock bonus | $0 in 0 mo | $30,000 in 3 mo |
| Issuer | BECU | Capital One |
| Card category | low-interest | business |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Capital One Spark Cash Plus
$150/yr · $2,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Capital One Spark Cash Plus?
- The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Capital One Spark Cash Plus?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Capital One Spark Cash Plus's $150 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash Plus's benefits to clear $150 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Capital One Spark Cash Plus?
- Yes, since they're from different issuers (BECU and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the Capital One Spark Cash Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Capital One Spark Cash Plus: $30,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.