Ranked #65/225
Ranked #224/225

Snapshot

Capital One Spark Cash Plus
Capital One Spark Cash Plus
Optima Platinum Card
Optima Platinum Card
IssuerCapital OneAmerican Express
NetworkMastercardAmerican Express
Card MaterialPlasticPlastic
Annual Fee$150.00$49.00
Base Rate2.00%0.00%
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)0.0% (base)
Hotels via Capital One Travel5.0%0.0% (base)
Rental Cars via Capital One Travel5.0%0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APRnull% - null%14.99% - 14.99%
Cash Advance APRN/A28.74%
Penalty APRN/A29.99%
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

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