Blue Cash Everyday® Card from American Express vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Blue Cash Everyday® Card from American Express
American Express
4.5
3% at U.S. supermarkets, gas stations, and online retail.
Full review →
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
Blue Cash Everyday® Card from American Express wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
Blue Cash Everyday®
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
None
Up to $1,200
Rewards Rate
1%-3%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
N/A (charge card)
Regular APR
19.24%-29.99% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
720-850
Blue Cash Everyday® Card from American Express
Pros
- 3% at U.S. supermarkets, gas stations, and online retail
- No annual fee
- 0% intro APR for 15 months
Cons
- Foreign transaction fee
- 3% categories cap at $6,000/year then drop to 1%
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
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