Citi Prestige Card vs Capital One Spark Miles Select for Business

Side-by-side comparison of Citi Prestige Card and Capital One Spark Miles Select for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Citi Prestige Card	Capital One Spark Miles Select for Business
Issuer	Citibank	Capital One
Network	Mastercard	Visa
Card Material	Metal	Plastic
Annual Fee	$495.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	5.00x	0.00x
Auth. User Fee	$75.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Grandfathered	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Restaurants	5.0%	1.5% (base)
Airline	5.0%	1.5% (base)
Hotels	3.0%	1.5% (base)
Priceline	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	1x	1x

Benefits & Partners

Transfer Partners	18 partners	18 partners
Annual Credits	None	None

Transfer Partners

1:1

1:1

Pricing Details

Purchase APR	10.99% - 18.99%	18.49% - 24.49%
Cash Advance APR	21.24%	29.99%
Penalty APR	21.49%	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	Citi 8/65	Standard