Capital One Spark Miles Select for Business vs Smart Option Visa

Side-by-side comparison of Capital One Spark Miles Select for Business and Smart Option Visa. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One Spark Miles Select for Business	Smart Option Visa
Issuer	Capital One	First Citizens Bank
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.50%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (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	18 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	18.49% - 24.49%	15.24% - 25.24%
Cash Advance APR	29.99%	25.24%
Penalty APR	N/A	N/A
Late Fee	$39	$40
Balance Transfer Fee	undefined% (min $0)	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	—	—
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