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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×Purchases made through the Capital One Entertainment ticketing platform
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, on dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • 50% off Capital One Café beverages · $0
  • Automatic credit line reviews · $0
  • No Foreign Transaction Fees · $0
  • Extended Warranty · $0
  • Travel Accident Insurance · $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 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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