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BECU Secured Cash Back Credit Card vs Capital One Spark Cash Select
Both are well-respected travel cards. The BECU Secured Cash Back Credit Card comes from BECU at $0/yr; the Capital One Spark Cash Select from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Secured Cash Back Credit Card | Capital One Spark Cash Select |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus | $1,000 cash bonus |
| Bonus value (est.) | $0 | - |
| Min spend to unlock bonus | $0 in 0 mo | $10,000 in 3 mo |
| Issuer | BECU | Capital One |
| Card category | cashback | business |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Secured Cash Back Credit Card
$0/yr · No welcome bonus
Read the full review
Capital One Spark Cash Select
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash Select
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Cash Back Credit Card or Capital One Spark Cash Select?
- The BECU Secured Cash Back Credit Card has a public bonus (No welcome bonus, worth roughly $0), while the Capital One Spark Cash Select doesn't advertise one right now.
- Is the BECU Secured Cash Back Credit Card's $0 annual fee worth it compared to the Capital One Spark Cash Select?
- The BECU Secured Cash Back Credit Card has no annual fee, so the question is whether the Capital One Spark Cash Select's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash Select's benefits to clear $95 in value annually, it's worth it; otherwise stick with the BECU Secured Cash Back Credit Card.
- Can I have both the BECU Secured Cash Back Credit Card and Capital One Spark Cash Select?
- 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 Secured Cash Back Credit Card or the Capital One Spark Cash Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Cash Back Credit Card: $0 spend in 0 months. Capital One Spark Cash Select: $10,000 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.