Capital One vs Chase: Credit Card Bonus Comparison

Updated April 2026 — See which credit card bonus is better for you.

Capital One Spark Cash Plus Bonus — Up to $2,000

$2,000 bonus

Qualifying Period: First 3 months for initial bonus; First year for additional bonuses
Requirements: Spend $30,000 in the first 3 months; Earn $2,000 for every $500,000 spent in the first year

$90,000 bonus

Qualifying Period: 3 months
Requirements: $5,000 in purchases within first 3 months; Account must be open and not in default

Chase offers a higher bonus ($90,000 vs $2,000). However, be sure to compare hold periods and requirements before deciding.