Ranked #65/225
Ranked #77/225

Snapshot

Capital One Spark Cash Plus
Capital One Spark Cash Plus
BMO Cash Back Mastercard
BMO Cash Back Mastercard
IssuerCapital OneBMO (US)
NetworkMastercardMastercard
Card MaterialPlasticPlastic
Annual Fee$150.00$0.00
Base Rate2.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%3%
LifecycleAvailableAvailable

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)
Telecommunications2.0% (base)5.0%
telecom2.0% (base)5.0%
Gas Stations2.0% (base)3.0%
Restaurants2.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APRnull% - null%20.24% - 27.24%
Cash Advance APRN/A29.24%
Penalty APRN/AN/A
Late Fee$39$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto RentalPrimary (when renting for business purposes)Secondary
Baggage Delay--
Baggage Loss--
Cell Phone Protection-Up to $600 per claim, subject to $50 deductible (Max $1,000/year)
Extended WarrantyExtends warranty by 1 yearDoubles original warranty up to 1 additional 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

Cards in the Same Tier