Marriott Bonvoy Bountiful® vs Capital One Spark Cash Select
Side-by-side comparison
| Marriott Bonvoy Bountiful® | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | $250 | No annual fee |
| Welcome offer | 85,000 points | $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* | $948 | $675 |
| Points type | Locked to Marriott Bonvoy | Pools with Capital One → transferable |
| Network | Visa | 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 Marriott Bonvoy Bountiful® earns about $948 a year in rewards and the Capital One Spark Cash Select about $675, valuing every point at a flat 1 cent. The Marriott Bonvoy Bountiful® charges $250, which you clear through its rewards and perks. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. The two are close on value, but the Marriott Bonvoy Bountiful® edges ahead by about $23 a year, 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 Select earns points you can move to travel partners for outsized value, while the Marriott Bonvoy Bountiful® stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Select if you will use travel transfers, the Marriott Bonvoy Bountiful® if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Bountiful® if your spending leans toward advertising, shipping, office supplies.