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Capital One Spark Cash Plus

Capital One Spark Cash Plus

Card Details
VS
Citi® Diamond Preferred® Credit Card

Citi® Diamond Preferred® Credit Card

Card Details

Compare the Features and Benefits of Capital One Spark Cash Plus and
Citi® Diamond Preferred® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Has No Preset Spending Limit
Does Not Report Credit Line to Personal Credit Profile
Extended Warranty
Roadside Assistance
No Fees for Authorized Users
No Foreign Transaction Fees
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Free Access to Credit Score
Capital One Spark Cash Plus
Annual Fee
$150
Avg. Min. Credit Score
800-850
APR on purchases
-
APR on balance transfers
-
Ongoing APR
-
Balance transfers fees
Balance transfers are not available on Spark Cash Plus
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
🎁 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
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. 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.

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.

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.

Read more
Unique Card Benefits
yes
Has No Preset Spending Limit
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Extended Warranty
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Free Access to Credit Score
no
Citi® Diamond Preferred® Credit Card
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 12 months, 17.24%-27.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 21 months, 17.24%-27.99% thereafter)
Ongoing APR
17.24%-27.99% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Best Multiplier
0x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.75) 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

This card does not have a rewards program or offer cash back, so you won’t earn rewards for spend. Rewards credit cards tend to carry high APRs and are suitable for those that do not carry a balance.

The Diamond Preferred card is all about the Introductory Purchase and Balance Transfer offers and ideal for those that already have credit card debt.

You can use this offer to help get your debt under control and think about rewards and cash back cards later – once you are debt free and won’t need to carry a balance. Be sure to read all rates, fees, and disclosures before you apply.

It also offers Citi “My Deals” both on the Citi Mobile App and Citi Online. My Deals provides easy access to national and local coupons across categories such as dining, shopping, and entertainment. Offers depend on your geographic location.

citi-diamond-preferred-credit-card

You’ll also have access to discounted gift cards select brands and a daily gift card deal.

Read more
Unique Card Benefits
no
Has No Preset Spending Limit
no
Does Not Report Credit Line to Personal Credit Profile
no
Extended Warranty
no
Roadside Assistance
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Free Access to Credit Score
yes

Learn more about these cards today

Capital One Spark Cash Plus

Card Details

Citi® Diamond Preferred® Credit Card

Card Details

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