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Capital One Spark Cash vs Choice Privileges Select Mastercard
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the Choice Privileges Select Mastercard from Wells Fargo at $95/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 Choice Privileges Select Mastercard's. Get the Capital One Spark Cash first; revisit the Choice Privileges Select Mastercard after you've earned that bonus.
| Feature | Capital One Spark Cash | Choice Privileges Select Mastercard |
|---|---|---|
| Annual fee | $95 | $95 |
| Sign-up bonus | $1,000 cash bonus | 60,000 bonus points |
| Bonus value (est.) | $1,000 | - |
| Min spend to unlock bonus | $10,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Capital One | Wells Fargo |
| 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
Choice Privileges Select Mastercard
$95/yr · 60,000 bonus points
Editorial take: Choice Privileges Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or Choice Privileges Select Mastercard?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Choice Privileges Select Mastercard doesn't advertise one right now.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Choice Privileges Select 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 Choice Privileges Select Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Choice Privileges Select Mastercard?
- Yes, since they're from different issuers (Capital One and Wells Fargo) 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 Choice Privileges Select 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. Choice Privileges Select Mastercard: $3,000 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.