Search Credit Card Offers
Aeroplan® Credit Card vs Capital One Spark Cash
This comparison aims to help users decide between the Aeroplan® Credit Card and the Capital One Spark Cash. Both cards offer unique features and benefits tailored to different spending habits and financial goals.
Aeroplan® Credit Card Overview
The Aeroplan® Credit Card is designed for travelers looking to earn points that can be redeemed for flights with Air Canada and other travel rewards. With a focus on earning points for travel-related purchases, it is ideal for those who frequently dine out or shop for groceries.
Capital One Spark Cash Overview
The Capital One Spark Cash is tailored for businesses seeking straightforward cash back rewards. It offers a simple rewards structure with unlimited 2% cash back on all purchases, making it suitable for business owners who want to maximize their cash back without worrying about categories.
Detailed Feature Comparison
| Feature | Aeroplan® Credit Card | Capital One Spark Cash |
|---|---|---|
| Annual Fee | $95 | $0 intro for first year; $95 after that |
| Welcome Bonus | Earn 60,000 bonus points after you spend $3,000 in the first 3 months, plus 10,000 points after annual fee payment | Earn $750 cash back once you spend $7,500 in the first 3 months |
| Rewards Structure | 3X points on groceries, dining, and Air Canada; 1X on all other purchases | Unlimited 2% cash back on all purchases |
| Foreign Transaction Fee | Not Specified | No foreign transaction fees |
| Other Fees | Not Specified | Free employee cards, rewards don’t expire |
| Additional Benefits | Redeem points for flights | Cash back for any amount, unlimited cash back |
Rewards Highlights
Aeroplan® Credit Card:
- Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 bonus points after your annual fee renewal payment posts and is paid in full
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly
- Earn 1X points for each dollar spent on all other purchases
Capital One Spark Cash:
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Pros and Cons
Aeroplan® Credit Card
- Pros:
- Great for travelers seeking flight rewards
- High earning potential on dining and grocery purchases
- Bonus points upon renewal payment
- Cons:
- Annual fee applies
- Limited cash back options
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- No foreign transaction fees
- Free employee cards
- Cons:
- Higher spending requirement for the welcome bonus
- Annual fee after the first year
Who Should Consider Which Card?
- Aeroplan® Credit Card: Ideal for travelers who frequently fly with Air Canada and want to earn points for flights and travel-related expenses.
- Capital One Spark Cash: Perfect for business owners looking for a simple cash back rewards structure with no limits and straightforward benefits.
Conclusion
Ultimately, the choice between the Aeroplan® Credit Card and the Capital One Spark Cash will depend on your individual spending habits and financial goals. Consider how you spend your money and what type of rewards will benefit you the most when making your decision.