Capital One Spark Cash Plus vs USAA Rate Advantage Visa Platinum Card

Side-by-side comparison of Capital One Spark Cash Plus and USAA Rate Advantage Visa Platinum Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One Spark Cash Plus	USAA Rate Advantage Visa Platinum Card
Issuer	Capital One	USAA
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$150.00	$0.00
Base Rate	2.00%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	0.0% (base)
Hotels via Capital One Travel	5.0%	0.0% (base)
Rental Cars via Capital One Travel	5.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	null% - null%	12.15% - 29.15%
Cash Advance APR	N/A	29.15%
Penalty APR	N/A	32.4%
Late Fee	$39	$35
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	Extends warranty by 1 year	—
Purchase Protection	Covered up to $10,000 per claim	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard