Capital One Spark Cash Plus vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Spark Cash Plus | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $150 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $1,200 cash bonus after $30,000 spend in first 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
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
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Capital One Spark Cash Plus vs Bank of America Customized Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Spark Cash Plus wins on 3 criteria, Bank of America Customized Cash on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Spark Cash Plus for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.