Capital One Spark Cash Plus vs Discover It Miles
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. Discover It Miles is still the right call if no-fee flat travel earn — first-year doubled effectively makes it 3x..
Side-by-side
| Criterion | Capital One Spark Cash Plus | Discover It Miles |
|---|---|---|
| Annual fee | · $150 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (general) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $1,200 cash bonus after $30,000 spend in first 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
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
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Capital One Spark Cash Plus vs Discover It Miles: 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 Spark Cash Plus for its best categories, Discover It Miles 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. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).