All credit cards
Side-by-side
Capital One Spark Cash Plus vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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 | Capital One Spark Cash Plus | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $150 | $49 |
| Sign-up bonus | $4,000 cash bonus | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | - | $350 |
| Min spend to unlock bonus | - | $3,500 in ? mo |
| Issuer | Capital One | Navy Federal Credit Union |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has a public bonus (35,000 bonus points (a $350 value), worth roughly $350), while the Capital One Spark Cash Plus doesn't advertise one right now.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- At $150/yr, the Capital One Spark Cash Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Navy Federal More Rewards / Flagship Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Capital One and Navy Federal Credit Union) 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 Capital One Spark Cash Plus or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: no published min spend. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.