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Capital One QuicksilverOne Cash Rewards Credit Card vs Capital One Spark Cash Plus
Both are well-respected travel cards. The Capital One QuicksilverOne Cash Rewards Credit Card comes from Capital One at $39/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 Capital One QuicksilverOne Cash Rewards Credit Card's. Get the Capital One Spark Cash Plus first; revisit the Capital One QuicksilverOne Cash Rewards Credit Card after you've earned that bonus.
| Feature | Capital One QuicksilverOne Cash Rewards Credit Card | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $39 | $150 |
| Sign-up bonus | Not advertised | $2,000 cash bonus |
| Bonus value (est.) | - | $2,000 |
| Min spend to unlock bonus | - | $30,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | credit-builder | business |
| Best earning category (Capital_one_travel_hotels_rental_cars) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One QuicksilverOne Cash Rewards Credit Card
$39/yr ·
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, Capital One QuicksilverOne Cash Rewards Credit Card or Capital One Spark Cash Plus?
- The Capital One Spark Cash Plus has a public bonus ($2,000 cash bonus, worth roughly $2,000), while the Capital One QuicksilverOne Cash Rewards Credit Card doesn't advertise one right now.
- Is the Capital One QuicksilverOne Cash Rewards Credit Card's $39 annual fee worth it compared to the Capital One Spark Cash Plus?
- At $39/yr, the Capital One QuicksilverOne Cash Rewards Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Cash Plus's, pick the one whose perks you'll actually use.
- Can I have both the Capital One QuicksilverOne Cash Rewards Credit Card and Capital One Spark Cash Plus?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Capital One QuicksilverOne Cash Rewards Credit Card or the Capital One Spark Cash Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One QuicksilverOne Cash Rewards Credit Card: no published min spend. 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.