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All comparisons
Head-to-head, 2026

Capital One QuicksilverOne Rewards Capital One Spark Cash Plus

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

Lower annual fee: Capital One QuicksilverOne Rewards

Capital One

QuicksilverOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×Hotels · Cash Back
  • 5×Rental cars · Cash Back
  • 1.5×All other purchases · Cash Back

Key benefits

  • $0 Fraud Liability · $0
  • No foreign transaction fees · $0
  • Capital One Travel price match · $0
  • 50% off Capital One Café beverages · $0
  • Automatic credit line review · $0
Full Capital One QuicksilverOne Rewards review

Capital One

Spark Cash Plus

Annual fee
$95
Network
visa
Welcome value
$2,000
Min spend
$30,000 / 3mo

Top earning rates

  • 5×Hotels
  • 5×Rental cars
  • 2×All purchases

Key benefits

  • Annual fee refund (Spend Tier) · $150
  • Roadside assistance · $0
  • No foreign transaction fees · $0
  • Extended warranty · $0
  • Capital One Business Travel access · $0
Full Capital One Spark Cash Plus 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