Capital One Spark Miles for Business vs Upgrade Cash Rewards Visa

Side-by-side comparison of Capital One Spark Miles for Business and Upgrade Cash Rewards Visa. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One Spark Miles for Business	Upgrade Cash Rewards Visa
Issuer	Capital One	Upgrade (Sutton Bank)
Network	Visa	Visa
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	2.00%	1.50%
Travel Rewards	2.00x	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)	1.5% (base)
Hotels via Capital One Travel	5.0%	1.5% (base)
Rental Cars via Capital One Travel	5.0%	1.5% (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	25.49% - 25.49%	14.99% - 29.99%
Cash Advance APR	29.99%	N/A
Penalty APR	N/A	N/A
Late Fee	$39	N/A
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	—
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	Up to $100 statement credit every 4 years	—

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