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All comparisons
Head-to-head, 2026

Capital One Spark Cash Plus Chase Sapphire Reserve

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

Lower annual fee: Capital One Spark Cash PlusBigger welcome offer: Capital One Spark Cash Plus

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

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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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