Odyssey Rewards World Elite Mastercard vs Capital One Spark Miles for Business

Side-by-side comparison of Odyssey Rewards World Elite Mastercard and Capital One Spark Miles for Business. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Odyssey Rewards World Elite Mastercard	Capital One Spark Miles for Business
Issuer	First Tech FCU	Capital One
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$75.00	$95.00
Base Rate	1.00%	2.00%
Travel Rewards	3.00x	2.00x
Auth. User Fee	$0.00	$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)	2.0% (base)
Travel	3.0%	2.0% (base)
Restaurants	2.0%	2.0% (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	None	18 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	14.5% - 18%	25.49% - 25.49%
Cash Advance APR	18%	29.99%
Penalty APR	N/A	N/A
Late Fee	$25	$39
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	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	—	Up to $100 statement credit every 4 years

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