Citi Double Cash® vs. Capital One Spark Cash Plus

Side-by-side comparison · Updated 2026 · Independently reviewed

Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
Capital One logo
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 Double Cash® 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 Double Cash®
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
None
Up to $1,200
Rewards Rate
2%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 18 months
N/A (charge card)
Regular APR
19.24%-29.24% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
720-850
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review
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
Full review

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