Head-to-head · 🇺🇸 United States
Amex Blue Cash Everyday vs Capital One Spark Cash Plus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Blue Cash Everyday
AMERICAN
EXPRESS
EXPRESS
Wins 3 of 10
US
Capital One
Capital One Spark Cash Plus
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Blue Cash Everyday | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | No annual fee | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 3% (shopping) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $200 statement credit after $2,000 spend in first 6 months | = $1,200 cash bonus after $30,000 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.3/5 | 4.5/5 |
Benefits compared
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
FAQ
›Amex Blue Cash Everyday vs Capital One Spark Cash Plus: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Blue Cash Everyday wins on 3 criteria, Capital One Spark Cash Plus on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Everyday for its best categories, Capital One Spark Cash Plus for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months. Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months.