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Side-by-side
Capital One Spark Cash vs Chime Credit Builder Secured Visa
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Chime Credit Builder Secured Visa from Chime 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 ($1,000 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the Capital One Spark Cash first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Capital One Spark Cash | Chime Credit Builder Secured Visa |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | None |
| Bonus value (est.) | $1,000 | $0 |
| Min spend to unlock bonus | $10,000 in 3 mo | $0 in 0 mo |
| Issuer | Capital One | Chime |
| Card category | business | secured |
| 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
Chime Credit Builder Secured Visa
$0/yr · None
Editorial take: Chime Credit Builder Secured Visa
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Chime Credit Builder Secured Visa?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Chime Credit Builder Secured Visa?
- 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 Chime Credit Builder Secured Visa's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Chime Credit Builder Secured Visa?
- Yes, since they're from different issuers (Capital One and Chime) 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 Chime Credit Builder Secured Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 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.