Snapshot

Amex Platinum Card
Amex Platinum Card
Capital One Spark Cash Plus
Capital One Spark Cash Plus
IssuerAmerican ExpressCapital One
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$895.00$150.00
Base Rate1.00%2.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.0% (base)2.0% (base)
Airline5.0%2.0% (base)
Hotels5.0%2.0% (base)
Hotels via Capital One Travel1.0% (base)5.0%
Rental Cars via Capital One Travel1.0% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer Partners20 partnersNone
Annual CreditsNoneNone

Transfer Partners

1:1

Pricing Details

Purchase APR12.74% - 21.74%null% - null%
Cash Advance APR28.74%N/A
Penalty APR29.99%N/A
Late Fee$40$39
Balance Transfer FeeN/AN/A

Insurance & Protections

Auto RentalPrimary (when renting for business purposes)
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended WarrantyExtends warranty by 1 year
Purchase ProtectionCovered up to $10,000 per claim
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard