Capital One Spark Cash Plus vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on your spending patterns.
Feature
Capital One Spark
Bank of America®
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
Up to $1,200
$200
Rewards Rate
2%
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
N/A (charge card)
0% for 15 billing cycles
Regular APR
N/A (charge card — pay in full)
19.24%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
720-850
670-850
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
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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