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Side-by-side
Capital One Spark Cash Plus vs PenFed Platinum Rewards Visa Signature Card
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the PenFed Platinum Rewards Visa Signature Card from PenFed at $0/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 ($1,872 more in estimated value) than the PenFed Platinum Rewards Visa Signature Card's. Get the Capital One Spark Cash Plus first; revisit the PenFed Platinum Rewards Visa Signature Card after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | PenFed Platinum Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | $2,000 cash bonus | 15,000 bonus points after $1,500 spend in 90 days |
| Bonus value (est.) | $2,000 | $128 |
| Min spend to unlock bonus | $30,000 in 3 mo | $1,500 in 3 mo |
| Issuer | Capital One | PenFed |
| Card category | business | cashback |
| 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 · $2,000 cash bonus
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Editorial take: PenFed Platinum Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or PenFed Platinum Rewards Visa Signature Card?
- The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, versus 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the PenFed Platinum Rewards Visa Signature Card?
- 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 PenFed Platinum Rewards Visa Signature Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and PenFed Platinum Rewards Visa Signature Card?
- Yes, since they're from different issuers (Capital One and PenFed) 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 PenFed Platinum Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: $30,000 spend in 3 months. PenFed Platinum Rewards Visa Signature Card: $1,500 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.