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Capital One Spark Cash vs Macy's American Express Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Macy's American Express Card from Department Stores National Bank 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 Macy's American Express Card's. Get the Capital One Spark Cash first; revisit the Macy's American Express Card after you've earned that bonus.
| Feature | Capital One Spark Cash | Macy's American Express Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | |
| Bonus value (est.) | $1,000 | - |
| Min spend to unlock bonus | $10,000 in 3 mo | - |
| Issuer | Capital One | Department Stores National Bank |
| 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
$95/yr · $1,000 cash bonus
Read the full review
Macy's American Express Card
$0/yr ·
Editorial take: Macy's American Express Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Macy's American Express Card?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Macy's American Express Card doesn't advertise one right now.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Macy's American Express 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 Macy's American Express Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Macy's American Express Card?
- Yes, since they're from different issuers (Capital One and Department Stores National Bank) 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 Macy's American Express 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. Macy's American Express Card: 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.