Southwest Rapid Rewards® Priority vs. Capital One Spark Cash Plus
Side-by-side comparison · Updated 2026 · Independently reviewed
Southwest Rapid Rewards® Priority
Chase
4.3
50,000 bonus points. 7,500 anniversary points. $75 travel credit.
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
Southwest Rapid Rewards® Priority 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
Southwest Rapid Rewards®
Capital One Spark
Annual Fee
$149/yr Best
$150/yr
Sign-up Bonus
50,000 points
Up to $1,200
Rewards Rate
1x-3x
2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A (charge card)
Regular APR
21.49%-28.49% Variable Best
N/A (charge card — pay in full)
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
720-850
Southwest Rapid Rewards® Priority
Pros
- 7,500 anniversary points each year
- $75 annual Southwest travel credit
- 4 upgraded boardings per year
- Path to Companion Pass with enough spending
Cons
- $149 annual fee
- Only valuable for Southwest flyers
- 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
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