Chase Sapphire Reserve vs Capital One Spark Miles Select for Business

Side-by-side comparison of Chase Sapphire Reserve and Capital One Spark Miles Select for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Chase Sapphire Reserve	Capital One Spark Miles Select for Business
Issuer	Chase	Capital One
Network	Visa	Visa
Card Material	Metal	Plastic
Annual Fee	$795.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	3.00x	0.00x
Auth. User Fee	$75.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Hotels	10.0%	1.5% (base)
Airline	5.0%	1.5% (base)
Restaurants	3.0%	1.5% (base)
Travel	3.0%	1.5% (base)
Lyft	5.0%	1.5% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1.5x	1x

Benefits & Partners

Transfer Partners	14 partners	18 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	12.74% - 21.24%	18.49% - 24.49%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	N/A
Late Fee	$40	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

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	—
Return Protection	—	—
Roadside Dispatch	Pay-per-use	—
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