Ranked #213/225
Ranked #65/225

Snapshot

Smart Option Visa
Smart Option Visa
Capital One Spark Cash Plus
Capital One Spark Cash Plus
IssuerFirst Citizens BankCapital One
NetworkVisaMastercard
Card MaterialPlasticPlastic
Annual Fee$0.00$150.00
Base Rate0.00%2.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)2.0% (base)
Hotels via Capital One Travel0.0% (base)5.0%
Rental Cars via Capital One Travel0.0% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR15.24% - 25.24%null% - null%
Cash Advance APR25.24%N/A
Penalty APRN/AN/A
Late Fee$40$39
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondaryPrimary (when renting for business purposes)
Baggage Delay--
Baggage Loss--
Cell Phone Protection--
Extended Warranty-Extends warranty by 1 year
Purchase Protection-Covered up to $10,000 per claim
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

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