Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Capital One Quicksilver Rewards Capital One Spark Cash

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One Quicksilver RewardsBigger welcome offer: Capital One Spark Cash

Capital One

Quicksilver Rewards

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 1.5×All other purchases

Key benefits

  • No benefits on file
Full Capital One Quicksilver Rewards review

Capital One

Spark Cash

Annual fee
$95
Network
visa
Welcome value
$1,000
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Hotels and rental cars
  • 2×Every purchase

Key benefits

  • Expense management software · $0
  • Year-end summaries · $0
  • $0 Fraud Liability · $0
  • Roadside Assistance · $0
  • Accounts Payable · $0
Full Capital One Spark Cash review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer