Discover it® Balance Transfer vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Balance Transfer
Discover
4.3
0% intro APR on balance transfers for 18 months.
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
Discover it® Balance Transfer 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
Discover it® Balance
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
Cashback Match
Up to $1,200
Rewards Rate
1%-5%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 18 months
N/A (charge card)
Regular APR
18.24%-28.24% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
720-850
Discover it® Balance Transfer
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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