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Meet the Spark Miles card’s twin brother, the Spark Cash.  Almost identical in every way, but you’re limited to cashback.  No miles.  No transferring.

They’re fraternal twins, naturally.

a screenshot of a credit card

The Spark Cash Card from Capital One

A classic 2% cashback card, the Spark Cash keeps things simple.  Every dollar you spend means 2 cents in your pocket.  It might take a while to add up, but that’s cold, hard cash you can use for anything you want.  The current offer on the card is exactly the same as the Spark Miles card, only it’s cashback instead of miles. If you want to learn more about the card, you can read more and apply here (affiliate link)

  • You’ll earn a bonus of $500 after the first $5,000 in purchases in the first 3 months (for a total of 12% back).
  • You’ll then earn a further $1,500 if you spend at least $50,000 in the first 3 months of account opening.  Again a high spend, but for those of you that value simplicity, this is the card for you.  One card.  Over $2,000 cashback.  Doesn’t get much better than that.
  • The card’s typical $95 annual fee is waived the first year.
  • Unlimited 2% cashback on everything.
  • No foreign transaction fees.

Find the application for the Capital One Spark Cash card here!

The second tier of the offer means you’ll be spending a minimum of $50,000 in the first 6 months from your account opening.  For that spend, you’ll earn $500 from the first bonus, $1,500 from the second bonus, and $1,000 from 2% back on the $50,000 spend.  THis brings you to a total of $3,000 cashback, or 6% back on $50,000 in spend.  Not bad!

a stack of money in a row

Cash? Or miles? I always say miles!

So, Spark Cash or Spark Miles?

The Spark Miles is clearly the winner here, since those are much more flexible.  Not only do you have the same rate for statement credits on the Spark Miles card, but you also have the option of transferring those miles to Capital One’s newly announced air travel partners.

Be careful with this one!  Obligatory Capital One warning:

BE WARNED!  Capital One likes to pull all three bureaus and can be stingy with approvals.  If you get denied, you’re looking at a mail-in reconsideration route (yes, snail mail!).  Once they receive your letter, chances are they’ll pull all three credit bureaus AGAIN, just to be sure they don’t like your credit profile…and still deny you.

Again, the link to the card is here (I may receive a commission if you apply through this link; thanks for the support)

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