AT&T Points Plus Card from Citi vs Capital One Spark Cash Select

Side-by-side comparison of AT&T Points Plus Card from Citi and Capital One Spark Cash Select. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	AT&T Points Plus Card from Citi	Capital One Spark Cash Select
Issuer	Citi	Capital One
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	0.00x	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)	1.5% (base)
Gas Stations	3.0%	1.5% (base)
Supermarkets	2.0%	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	1x	1x

Benefits & Partners

Transfer Partners	3 partners	None
Annual Credits	None	None

Transfer Partners

5:4

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Pricing Details

Purchase APR	19.24% - 29.24%	18.49% - 24.49%
Cash Advance APR	29.99%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$41	$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	—	—
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