Visa Signature Flagship Rewards Credit Card vs Capital One Spark Cash Plus

Side-by-side comparison of Visa Signature Flagship Rewards Credit Card and Capital One Spark Cash Plus. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Visa Signature Flagship Rewards Credit Card	Capital One Spark Cash Plus
Issuer	Navy Federal Credit Union	Capital One
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$49.00	$150.00
Base Rate	2.00%	2.00%
Travel Rewards	3.00x	0.00x
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	2.0% (base)	2.0% (base)
Travel	3.0%	2.0% (base)
Hotels via Capital One Travel	2.0% (base)	5.0%
Rental Cars via Capital One Travel	2.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	15.24% - 18%	null% - null%
Cash Advance APR	17.24%	N/A
Penalty APR	N/A	N/A
Late Fee	$20	$39
Balance Transfer Fee	undefined% (min $0)	N/A

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	—	Covered up to $10,000 per claim
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