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VS

Compare the Features and Benefits of Capital One Spark Cash Plus and
Amazon Prime Visa

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
No Foreign Transaction Fees
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
No Fees for Authorized Users
Purchase Protection
Trip Protections
Secondary Car Rental CDW Waiver
Annual Fee
$150
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
5x Car Rentals

Only when booked via Capital One Travel; Otherwise earn 1X.

5x Hotels

Only when booked via Capital One Travel; Otherwise earn 1X.

2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

rental-cars-capital-one-spark-cash-plus

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.



Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Has No Preset Spending Limit
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
Purchase Protection
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
Either $5 or 4% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Amazon / Whole Foods

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership

5x Airfare

Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back

5x Hotels

Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back

5x Car Rentals

Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back

2x Gas Stations
2x Dining Out / Food Delivery
2x Transit

Local transit and commuting (including rideshare)

1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

As much as we love rewards credit cards with transferable bank points, for heavy Amazon or Whole Foods shoppers, it’s hard to deny that 5% cash back on all of these purchases with the Prime Visa (as long as you have an eligible Amazon Prime membership!) is pretty awesome.

I know some people that do absolutely all of their grocery shopping at Whole Foods and as much shopping as possible at Amazon. If this is you, the Prime Visa credit card is probably a no brainer, especially with no annual fee, no foreign transaction fees, and a wide range of consumer protections like extended warranty, purchase protection (which covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account) and trip protections, although note that the trip protections aren’t nearly as rich as on many travel specific credit cards.

As a reminder, you’ll earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership and an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).

You’ll earn ah unlimited 1% back on all other purchases, so you may want to combo this card with a card that earns 2% back on categories not bonused on this card.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
No Fees for Authorized Users
no
Purchase Protection
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes

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