Shopper Cash Rewards vs Spark 2% Cash Plus
Shopper Cash Rewards
$95/yr
6.5/10
VS
Spark 2% Cash Plus
$150/yr
6.0/10
Quick Answer
Shopper Cash Rewards charges $95/yr with 1X base rewards. Spark 2% Cash Plus charges $150/yr with 1X base rewards. Shopper Cash Rewards offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Shopper Cash Rewards →
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Winner by Category
Annual Fees
Shopper Cash Rewards
Lower annual fee ($95 vs $150)
Rewards Earning
Shopper Cash Rewards
3 earning categories
Benefits & Protection
Shopper Cash Rewards
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Shopper Cash Rewards wins for most people
The $55 fee difference is hard to justify unless you maximize premium benefits.
Apply for Shopper Cash RewardsPREMIUM 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
Shopper Cash Rewards
| Top 2 eligible retailers of your choice | 6.0X (up to $1,500) |
| Gas stations & EV charging | 3.0X |
| Everything else | 1.5X |
Spark 2% Cash Plus
| Everything | 2.0X |
| Hotels & rental cars (Capital One Travel) | 5.0X |