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All comparisons
Head-to-head, 2026

Capital One SavorOne 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 SavorOne RewardsBigger welcome offer: Capital One Spark Cash

Capital One

SavorOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×entertainment · Capital One Cash Back
  • 5×hotels · Capital One Cash Back
  • 5×car rentals · Capital One Cash Back
  • 3×dining · Capital One Cash Back

Key benefits

  • No Foreign Transaction Fees · $100
  • Capital One Cafe Beverage Discount · $50
  • Automatic Credit Line Reviews · $0
  • CreditWise from Capital One · $0
  • $0 Fraud Liability Protection · $0
Full Capital One SavorOne 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
  • 5×car rentals
  • 2×all other purchases

Key benefits

  • Annual Fee Refund (Spend Tier) · $150
  • Free Employee Cards · $50
  • Account Managers · $0
  • $0 Fraud Liability · $0
  • Year-end Summaries · $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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