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Blue Cash Everyday® Card from American Express vs Capital One Spark Cash
This comparison aims to assist users in deciding between the Blue Cash Everyday® Card from American Express and the Capital One Spark Cash. Both cards offer unique features and rewards structures, making them suitable for different spending habits and financial goals.
Card Overviews
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is designed for everyday consumers who want to earn cash back on their purchases without an annual fee. It offers generous rewards on grocery shopping, online retail, and gas stations, making it ideal for families and regular shoppers.
Capital One Spark Cash
The Capital One Spark Cash is tailored for businesses looking to earn a straightforward cash back on all purchases. With a competitive rewards structure and no foreign transaction fees, it is particularly beneficial for business owners who frequently spend across various categories.
Detailed Feature Comparison
| Feature | Blue Cash Everyday® Card from American Express | Capital One Spark Cash |
|---|---|---|
| Annual Fee | $0 | $0 intro for first year; $95 after that |
| Welcome Bonus | Earn a $200 statement credit after spending $2,000 in the first 6 months | Earn a one-time $750 cash bonus after spending $7,500 in the first 3 months |
| Rewards Structure | 3% Cash Back at U.S. supermarkets (up to $6,000/year), 3% at U.S. online retail, 3% at U.S. gas stations, 1% on other purchases | Unlimited 2% cash back on every purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Cash back as Reward Dollars redeemable for statement credit or at Amazon checkout | Free employee cards, rewards never expire, redeem cash back for any amount |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening.
- 5% cash back on hotels and rental cars booked through Capital One Travel.
- 2% cash back on every purchase.
Blue Cash Everyday® Card from American Express
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Everyday® Card from American Express
- Pros:
- No annual fee.
- High rewards rate on grocery and gas purchases.
- Flexible redemption options.
- Cons:
- Lower cash back rate on non-bonus categories.
- Welcome bonus requires a higher spend compared to some cards.
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases.
- Attractive welcome bonus.
- No foreign transaction fees.
- Cons:
- $95 annual fee after the first year.
- May not cater to users looking for category-specific rewards.
Who Should Consider Which Card?
The Blue Cash Everyday® Card from American Express is ideal for everyday consumers who frequently spend at supermarkets, gas stations, and online retailers, and prefer a no-annual-fee structure. In contrast, the Capital One Spark Cash is better suited for business owners or individuals who want a straightforward cash back system on all purchases without the hassle of category restrictions.
Conclusion
Ultimately, choosing between the Blue Cash Everyday® Card from American Express and the Capital One Spark Cash will depend on your individual spending habits and financial goals. Consider which rewards align with your lifestyle and how you plan to use the card to make the best decision for your needs.