Blue Cash Preferred® Card from American Express vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
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 Preferred® 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 Preferred®
Capital One Spark
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
$350
Up to $1,200
Rewards Rate
1%-6%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 12 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 Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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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