Apple Card vs Capital One Spark Cash Plus
Side-by-side comparison
| Apple Card | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | No current offer | $2,000 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Pools with Capital One → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Apple Card earns about $900 a year in rewards and the Capital One Spark Cash Plus about $900, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Apple Card delivers more total value, about $150 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Capital One Spark Cash Plus earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the Capital One Spark Cash Plus if you will use travel transfers, the Apple Card if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.