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All comparisons
Head-to-head, 2026

Capital One Spark Cash Chase Sapphire Preferred

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

Bigger welcome offer: Capital One Spark Cash

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

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred 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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