Capital One Quicksilver vs Capital One Spark Cash Plus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Spark Cash Plus wins 3-2. High-spend small business — 2% flat with $1,200 welcome. Capital One Quicksilver is still the right call if no-fee, no-thinking 1.5% on everything..
Side-by-side
| Criterion | Capital One Quicksilver | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | No annual fee | · $150 |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 2% (general) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 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 | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
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
›Capital One Quicksilver vs Capital One Spark Cash Plus: which is better?
Capital One Spark Cash Plus wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Quicksilver 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?
Capital One Quicksilver: $200 cashback after $500 in first 3 months. Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months.