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Capital One Spark Cash vs Marriott Bonvoy Bold Credit Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Marriott Bonvoy Bold Credit Card from Chase 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 is the stronger pick today, the sign-up bonus is meaningfully larger ($644 more in estimated value) than the Marriott Bonvoy Bold Credit Card's. Get the Capital One Spark Cash first; revisit the Marriott Bonvoy Bold Credit Card after you've earned that bonus.
| Feature | Capital One Spark Cash | Marriott Bonvoy Bold Credit Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | 45,000 points |
| Bonus value (est.) | $1,000 | $356 |
| Min spend to unlock bonus | $10,000 in 3 mo | $1,000 in 3 mo |
| Issuer | Capital One | Chase |
| 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
$95/yr · $1,000 cash bonus
Read the full review
Marriott Bonvoy Bold Credit Card
$0/yr · 45,000 points
Editorial take: Marriott Bonvoy Bold Credit Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Marriott Bonvoy Bold Credit Card?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus 45,000 points (~$356) on the Marriott Bonvoy Bold Credit Card.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Marriott Bonvoy Bold Credit Card?
- At $95/yr, the Capital One Spark Cash is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Marriott Bonvoy Bold Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Marriott Bonvoy Bold Credit Card?
- Yes, since they're from different issuers (Capital One and Chase) 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 or the Marriott Bonvoy Bold Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Marriott Bonvoy Bold Credit Card: $1,000 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.