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Side-by-side
Capital One Spark Cash Plus vs Wells Fargo Signify Business Cash
Both are business travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/yr; the Wells Fargo Signify Business Cash from Wells Fargo 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 ($1,500 more in estimated value) than the Wells Fargo Signify Business Cash's. Get the Capital One Spark Cash Plus first; revisit the Wells Fargo Signify Business Cash after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | Wells Fargo Signify Business Cash |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | $2,000 cash bonus | $500 cash rewards bonus |
| Bonus value (est.) | $2,000 | $500 |
| Min spend to unlock bonus | $30,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Capital One | Wells Fargo |
| Card category | business | business |
| 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
Wells Fargo Signify Business Cash
$0/yr · $500 cash rewards bonus
Editorial take: Wells Fargo Signify Business Cash
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Plus or Wells Fargo Signify Business Cash?
- The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, versus $500 cash rewards bonus (~$500) on the Wells Fargo Signify Business Cash.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the Wells Fargo Signify Business Cash?
- 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 Wells Fargo Signify Business Cash's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus and Wells Fargo Signify Business Cash?
- Yes, since they're from different issuers (Capital One and Wells Fargo) 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 Wells Fargo Signify Business Cash 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. Wells Fargo Signify Business Cash: $5,000 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.