Spark 2% Cash Plus vs Xbox
Spark 2% Cash Plus
$150/yr
6.0/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Spark 2% Cash Plus charges $150/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Xbox
Lower annual fee ($150 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
Spark 2% Cash Plus
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM 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
Spark 2% Cash Plus
| Everything | 2.0X |
| Hotels & rental cars (Capital One Travel) | 5.0X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |