Citi Double Cash® vs Capital One Spark Cash Select
Side-by-side comparison
| Citi Double Cash® | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash back | $750 cash back |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $900 | $675 |
| 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 Select about $675, 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 Select has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Citi Double Cash® delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Select. On the sign-up bonus, the Capital One Spark Cash Select currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Double Cash® if your spending leans toward advertising, shipping, office supplies.