Southwest Rapid Rewards Performance Business Credit Card vs Capital One Spark Cash Plus

Side-by-side comparison of Southwest Rapid Rewards Performance Business Credit Card and Capital One Spark Cash Plus. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Southwest Rapid Rewards Performance Business Credit Card	Capital One Spark Cash Plus
Issuer	Chase	Capital One
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$199.00	$150.00
Base Rate	1.00%	2.00%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.0% (base)
Airline	3.0%	2.0% (base)
Hotels	2.0%	2.0% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	[object Object]	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.49% - 20.99%	null% - null%
Cash Advance APR	21.74%	N/A
Penalty APR	23.24%	N/A
Late Fee	$40	$39
Balance Transfer Fee	N/A	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	120 days	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