Spark 2x Miles vs Xbox

Spark 2x Miles
$99/yr
6.0/10
VS

Xbox
$0/yr
7.0/10
Quick Answer
Spark 2x Miles charges $99/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.
Apply for Spark 2x Miles →
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Winner by Category
Annual Fees
Xbox
Lower annual fee ($99 vs $0)
Rewards Earning
Xbox
3 earning categories
Benefits & Protection
Spark 2x Miles
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $99 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
Spark 2x Miles wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Spark 2x MilesRewards Earning: Detailed Comparison
Spark 2x Miles
| 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 |