Blue Cash Preferred vs Spark 2% Cash Plus
Blue Cash Preferred
$95/yr
7.0/10
VS
Spark 2% Cash Plus
$150/yr
6.0/10
Quick Answer
Blue Cash Preferred charges $95/yr with 1X base rewards. Spark 2% Cash Plus charges $150/yr with 1X base rewards. Blue Cash Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Blue Cash Preferred →
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Winner by Category
Annual Fees
Blue Cash Preferred
Lower annual fee ($95 vs $150)
Rewards Earning
Blue Cash Preferred
5 earning categories
Benefits & Protection
Blue Cash Preferred
4 benefits vs 0
Statement Credits
Blue Cash Preferred
$204 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Cash Preferred wins for most people
The $55 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash PreferredPREMIUM PICK
Spark 2% Cash Plus wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Spark 2% Cash PlusRewards Earning: Detailed Comparison
Blue Cash Preferred
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Spark 2% Cash Plus
| Everything | 2.0X |
| Hotels & rental cars (Capital One Travel) | 5.0X |
Card Benefits: Detailed Comparison
Blue Cash Preferred (4 benefits)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Spark 2% Cash Plus (0 benefits)
See full review for benefits details.