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Capital One Spark Cash vs Capital One Walmart Rewards Mastercard
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Capital One Walmart Rewards Mastercard from Capital One 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 Capital One Walmart Rewards Mastercard's. Get the Capital One Spark Cash first; revisit the Capital One Walmart Rewards Mastercard after you've earned that bonus.
| Feature | Capital One Spark Cash | Capital One Walmart Rewards Mastercard |
|---|---|---|
| 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 | Capital One |
| 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
Capital One Walmart Rewards Mastercard
$0/yr ·
Editorial take: Capital One Walmart Rewards Mastercard
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Capital One Walmart Rewards Mastercard?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Capital One Walmart Rewards Mastercard doesn't advertise one right now.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Capital One Walmart Rewards Mastercard?
- 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 Capital One Walmart Rewards Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Capital One Walmart Rewards Mastercard?
- 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 or the Capital One Walmart Rewards Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. Capital One Walmart Rewards Mastercard: 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.