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Capital One Spark Cash vs Citi Double Cash

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Spark Cash is a business and cash back credit card. How does it compare to Citi Double Cash, a cash back credit card? Read our comparison chart below.

Keep in mind, the Capital One Spark Cash has a $0 intro annual fee for first year; $95 after that, while the Citi Double Cash has a $0 annual fee.

Note: Capital One® Spark® Cash for Business is a credit card for business while Citi® Double Cash Card is a credit card for consumer.

 

Capital One® Spark® Cash for Business

Citi® Double Cash Card

 Business Credit CardPersonal Credit Card
 
Introductory Bonus Cash BackCash Back Rewards$0 Fraud Liability
Cash Back Rewards
 

Credit Card Interest Rates & Fees

Introductory APR for Balance TransfersN/A0%* introductory APR for 18 months*
Purchase APR18.24% (Variable) based on your creditworthiness and other factors14.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR18.24% (Variable) based on your creditworthiness and other factors14.74% to 24.74%* (Variable) based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeEither $5 or 3% of the amount of each transfer, whichever is greater.
Foreign Transaction FeeNo foreign transaction fee3% of each purchase transaction in US dollars.
Annual Fee$0 intro annual fee for first year; $95 after that$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Get a $500 cash bonus if you spend $4,500 on purchases within the first 3 months of account opening. 
Cash Back RewardsCash Back Rewards: Earn 2% cash back on every purchaseCash Back Rewards: Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earns cash back twice on purchases
  • No annual fee
  • Introductory APR for 18 months on balance transfers
Cons:
  • No signup bonus
  • Cash rewards expire after 12 months if there is no activity on the account
  • 3% foreign transaction fee
Bottom LineGreat rewards credit card to earn cash back twice with no annual fee... Read full review
 Learn MoreRead Citi Double Cash Review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Capital One® Spark® Cash for Business and Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Spark Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on December 19, 2017 from published websites and is believed to be accurate, but not guaranteed.


Explore Citi® Double Cash Card In-Depth


Which Do You Like and Why?

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Compare Capital One Spark Cash to:

Ink Business Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 22.24% Variable
$95

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Compare Citi Double Cash to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
16.24% - 24.99% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.24% - 24.24% Variable
Annual Fee
$0 Intro for the First Year, then $95
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.24% - 25.24% Variable
Annual Fee
$0
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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.