Air France KLM World Elite Mastercard vs Capital One Spark Cash Select

Side-by-side comparison of Air France KLM World Elite Mastercard and Capital One Spark Cash Select. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Air France KLM World Elite Mastercard	Capital One Spark Cash Select
Issuer	Bank of America	Capital One
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$89.00	$0.00
Base Rate	1.50%	1.50%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.5% (base)
Air France, KLM and SkyTeam member airlines	3.0%	1.5% (base)
Hotels via Capital One Travel	1.5% (base)	5.0%
Rental Cars via Capital One Travel	1.5% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	21.24% - 28.24%	18.49% - 24.49%
Cash Advance APR	29.99%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$40	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	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	—	—

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