Snapshot

Capital One Spark Cash Plus
Capital One Spark Cash Plus
Amex Blue Cash Preferred
Amex Blue Cash Preferred
IssuerCapital OneAmerican Express
NetworkMastercardAmerican Express
Card MaterialPlasticPlastic
Annual Fee$150.00$95.00
Base Rate2.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate2.0% (base)1.0% (base)
Hotels via Capital One Travel5.0%1.0% (base)
Rental Cars via Capital One Travel5.0%1.0% (base)
Supermarkets2.0% (base)6.0%
Streaming2.0% (base)6.0%
Gas Stations2.0% (base)3.0%
Transit & Rideshare2.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APRnull% - null%12.74% - 21.74%
Cash Advance APRN/A21.99%
Penalty APRN/A26.74%
Late Fee$39$40
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