All credit cards
Side-by-side
Capital One Spark Cash Select vs Capital One Spark Cash Plus
Both are business travel cards. The Capital One Spark Cash Select comes from Capital One at $95/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
Both cards come from Capital One and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Capital One Spark Cash Plus costs $55 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Capital One Spark Cash Select | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $95 | $150 |
| Sign-up bonus | $1,000 cash bonus | $4,000 cash bonus |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | $10,000 in 3 mo | - |
| Issuer | Capital One | Capital One |
| Card category | business | business |
| Best earning category (Hotels_capital_one) | 5x | 5x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash Select
$95/yr · $1,000 cash bonus
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash Select or Capital One Spark Cash Plus?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Capital One Spark Cash Select's $95 annual fee worth it compared to the Capital One Spark Cash Plus?
- At $95/yr, the Capital One Spark Cash Select 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 Spark Cash Select 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 Spark Cash Select or the Capital One Spark Cash Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Select: $10,000 spend in 3 months. Capital One Spark Cash Plus: no published min spend. 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.