Snapshot

Capital One Spark Cash Plus
Capital One Spark Cash Plus
USAA Cashback Rewards Plus American Express Card
USAA Cashback Rewards Plus American Express Card
IssuerCapital OneUSAA
NetworkMastercardAmerican Express
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%0%
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)
Gas Stations2.0% (base)5.0%
military base purchases2.0% (base)5.0%
Supermarket purchases (up to $3,000/year)2.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APRnull% - null%17.15% - 31.15%
Cash Advance APRN/A31.15%
Penalty APRN/A32.4%
Late Fee$39$35
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto RentalPrimary (when renting for business purposes)Secondary
Baggage DelayUp to $100 per day for 3 days
Baggage Loss
Cell Phone Protection
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 InterruptionUp to $1,500 per covered person
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