Ranked #99/225
Ranked #65/225

Snapshot

Bank of America Premium Rewards
Bank of America Premium Rewards
 Capital One Spark Cash Plus
Capital One Spark Cash Plus
IssuerBank of AmericaCapital One
NetworkVisaMastercard
Card MaterialPlasticPlastic
Annual Fee$95.00$150.00
Base Rate1.50%2.00%
Travel Rewards2.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate1.5% (base)2.0% (base)
Travel2.0%2.0% (base)
Restaurants2.0%2.0% (base)
Hotels via Capital One Travel1.5% (base)5.0%
Rental Cars via Capital One Travel1.5% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR21.24% - 28.24%null% - null%
Cash Advance APR29.99%N/A
Penalty APR29.99%N/A
Late Fee$40$39
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalYesPrimary (when renting for business purposes)
Baggage DelayYes-
Baggage Loss--
Cell Phone Protection--
Extended WarrantyYesExtends warranty by 1 year
Purchase Protection90 daysCovered up to $10,000 per claim
Return Protection90 days-
Trip Cancellation InterruptionYes-
Trip DelayYes-
Tsa Precheck Global EntryUp to $100-

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

Cards in the Same Tier

U.S. Bank Business Leverage Visa Signature CardU.S. Bank Business Leverage Visa Signature Card#82 · $1,080/yrVirgin Atlantic World Elite MastercardVirgin Atlantic World Elite Mastercard#81 · $1,080/yrHawaiian Airlines World Elite MastercardHawaiian Airlines World Elite Mastercard#83 · $1,080/yrAir France KLM World Elite MastercardAir France KLM World Elite Mastercard#80 · $1,080/yr