Capital One Spark Cash Plus vs Capital One Quicksilver Student Cash Rewards Credit Card

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

Trip Protections

Free Access to Credit Score

Capital One Spark Cash Plus

Annual Fee

$150

Avg. Min. Credit Score

800-850

Ongoing APR

Balance transfers fees

Balance transfers are not available on Spark Cash Plus

Best Multiplier

5x Car Rentals

5x Hotels

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

🎁 Bonus offer Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Rating

(4) Our Review

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. The card is issued as a Visa.

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

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.

This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

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

Trip Protections

Free Access to Credit Score

Capital One Quicksilver Student Cash Rewards Credit Card

Annual Fee

Avg. Min. Credit Score

580-850

Ongoing APR

19.24%-29.24% (Variable)

Balance transfers fees

Balance Transfer Fee applies to balances transferred at a promotional rate

Best Multiplier

5x Car Rentals

5x Hotels

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

🎁 Bonus offer You’ll earn $50 after you spend $100 in your first three months.

Rating

(4) Our Review

Review

As far as student credit cards go, the Capital One Quicksilver Student Cash Rewards Credit Card is an easy choice since no student card offers a flat cash back rate that is higher.

With 1.5% cash back on everything, you’re both building your credit (so you can step up to credit cards with richer rewards after you graduate, and earning a nice return on your credit card spend.

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver Student card.

Importantly, there’s no annual fee and this is not a secured credit card.

And you do have the opportunity to earn 5% cash back on hotels and rental card booked via Capital One Travel.

All around, it’s a pretty solid student credit card!

Unique Card Benefits

yes

Extended Warranty

yes

No Foreign Transaction Fees

yes

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Roadside Assistance

No Fees for Authorized Users

Trip Protections

yes

Free Access to Credit Score

yes