Citi Custom Cash® Card vs. Capital One Spark Cash Plus
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 →WealthSpott Verdict
Citi Custom Cash® 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
Citi Custom Cash®
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
$200
Up to $1,200
Rewards Rate
1%-5%
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
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- 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
Not sure which card is right for you?
Browse all credit cards