Citi Double Cash® vs Capital One Spark Cash Plus
Side-by-side comparison
| Citi Double Cash® | Capital One Spark Cash Plus | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | $200 cash back | $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 | Pools with Citi → transferable | 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 Citi Double Cash® 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 Citi Double Cash® 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 Citi Double Cash® delivers more total value, about $150 a year more for a typical spender, mostly because it skips the annual fee the other charges. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Citi for the Citi Double Cash®, Capital One for the Capital One Spark Cash Plus. 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.