American Express® Gold Card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
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
Capital One Spark Cash Plus wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Capital One Spark
Annual Fee
$250/yr
$150/yr Best
Sign-up Bonus
60,000 points
Up to $1,200
Rewards Rate
1x-4x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
See terms
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
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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