Best card to pair with the Capital One Spark Cash
Citi Strata Premier adds the most next to it: together they keep $531 a year after both fees from typical spending, $180 more than the Spark Cash on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $531 a year after fees
- Earns $721 a year on the spending below; fees come to $190.
- That's $180 more than the Spark Cash alone ($351).
- Capital One Spark Cash is a business card.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the Spark Cash in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the Spark Cash keeps $351 a year after fees.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Citi Strata Premier | +$180 | $531 | $95 |
| #2 Robinhood Gold Card | +$173 | $524 | $50 |
| #3 American Express Blue Cash Preferred | +$169 | $520 | $95 |
| #4 Barclays Wyndham Rewards Earner Plus | +$157 | $508 | $95 |
| #5 Barclays Wyndham Rewards Earner | +$125 | $476 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Citi Strata Premier | $260 4.2% |
| Dining | $3,900 | Citi Strata Premier | $164 4.2% |
| Gas | $2,400 | Citi Strata Premier | $101 4.2% |
| Travel | $2,500 | Capital One Spark Cash | $50 2% |
| Drugstores | $700 | Capital One Spark Cash | $14 2% |
| Everything else | $6,600 | Capital One Spark Cash | $132 2% |
| Total | $22,300 | $721 |