Bank of America® Travel Rewards credit card vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
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
Bank of America® Travel Rewards credit card 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
Bank of America®
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
25,000 points
Up to $1,200
Rewards Rate
1.5x
2%
Rewards Type
Points
Cash Back
0% Intro APR
0% for 15 billing cycles
N/A (charge card)
Regular APR
19.24%-27.24% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
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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