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All comparisons
Head-to-head, 2026

Capital One Savor 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 SavorBigger welcome offer: Capital One Spark Cash

Capital One

Savor

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

Top earning rates

  • 8×Capital One Entertainment purchases
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • Extended Warranty · $0
  • Concierge Service · $0
  • Capital One Travel price match guarantee · $0
  • 50% off Capital One Café beverages · $0
  • Travel Accident Insurance · $0
Full Capital One Savor 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.

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