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Capital One Spark Cash vs Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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 ($800 more in estimated value) than the Upgrade Triple Cash Rewards Visa's. Get the Capital One Spark Cash first; revisit the Upgrade Triple Cash Rewards Visa after you've earned that bonus.
| Feature | Capital One Spark Cash | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | $1,000 cash bonus | $200 statement bonus |
| Bonus value (est.) | $1,000 | $200 |
| Min spend to unlock bonus | $10,000 in 3 mo | $0 in 2 mo |
| Issuer | Capital One | Upgrade |
| Card category | business | cash-back |
| 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
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Upgrade Triple Cash Rewards Visa?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus $200 statement bonus (~$200) on the Upgrade Triple Cash Rewards Visa.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Upgrade Triple Cash Rewards 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 Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (Capital One and Upgrade) 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 Upgrade Triple Cash Rewards 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. Upgrade Triple Cash Rewards Visa: $0 in 2 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.