Bank of America Business Advantage Customized Cash Rewards Mastercard vs Capital One Spark Miles for Business

Side-by-side comparison of Bank of America Business Advantage Customized Cash Rewards Mastercard and Capital One Spark Miles for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Business Advantage Customized Cash Rewards Mastercard	Capital One Spark Miles for Business
Issuer	Bank of America	Capital One
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.00%	2.00%
Travel Rewards	0.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.0% (base)
Category of your choice (up to $50K combined w/ dining per year)	3.0%	2.0% (base)
Dining (up to $50K combined w/ 3% per year)	2.0%	2.0% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	18 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	18.49% - 28.49%	25.49% - 25.49%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	N/A
Late Fee	$39	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Extends warranty by 1 year
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	Up to $100 statement credit every 4 years

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard