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All comparisons
Head-to-head, 2026

Capital One Savor 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 SavorBigger welcome offer: Capital One Spark Cash Plus

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$250
Min spend
$500 / 3mo

Top earning rates

  • 8×entertainment
  • 5×travel
  • 3×grocery stores
  • 3×popular streaming services

Key benefits

  • Capital One Entertainment · $50
  • No Foreign Transaction Fees · $50
  • Uber One Monthly Credit · $10
Full Capital One Savor review

Capital One

Spark Cash Plus

Annual fee
$150
Network
visa
Welcome value
$4,000
Min spend
$30,000 / 3mo

Top earning rates

  • 5×hotels · Capital One Spark Cash Back
  • 5×rental cars · Capital One Spark Cash Back
  • 2×all other purchases · Capital One Spark Cash Back

Key benefits

  • No Preset Spending Limit · $500
  • Annual Fee Refund (Spend Tier) · $150
  • Free Employee Cards · $100
  • Account Managers · $50
  • Purchase Record Downloads · $50
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.

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