Snapshot

United Gateway℠ Credit Card
United Gateway℠ Credit Card
Capital One Spark Cash Select
Capital One Spark Cash Select
IssuerChaseCapital One
NetworkVisaMastercard
Card MaterialPlasticPlastic
Annual Fee$0.00$0.00
Base Rate1.00%1.50%
Travel Rewards2.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.0% (base)1.5% (base)
Airline2.0%1.5% (base)
Gas Stations2.0%1.5% (base)
Transit & Rideshare2.0%1.5% (base)
Hotels via Capital One Travel1.0% (base)5.0%
Rental Cars via Capital One Travel1.0% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.99% - 21.49%18.49% - 24.49%
Cash Advance APR21.74%29.99%
Penalty APR23.24%N/A
Late Fee$40$39
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalPrimary (when renting for business purposes)
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended WarrantyExtends warranty by 1 year
Purchase Protection120 days
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard