Choice Privileges® Mastercard® vs Capital One Spark Cash Plus
Side-by-side comparison
| Choice Privileges® Mastercard® | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | 60,000 points | $2,000 cash back |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 3% | 2% |
| Travel | 5% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $714 | $900 |
| Points type | Locked to Choice Privileges | 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 Choice Privileges® Mastercard® earns about $714 a year in rewards and the Capital One Spark Cash Plus about $900, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® 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 Capital One Spark Cash Plus delivers more total value, about $36 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Choice Privileges® Mastercard® stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Plus if you will use travel transfers, the Choice Privileges® Mastercard® 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.
Pick the Choice Privileges® Mastercard® if your spending leans toward phone & internet, travel. Pick the Capital One Spark Cash Plus if your spending leans toward advertising, shipping, office supplies.