USAA Cashback Rewards Plus American Express Card vs Capital One Spark Cash Select

Side-by-side comparison of USAA Cashback Rewards Plus American Express Card and Capital One Spark Cash Select. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	USAA Cashback Rewards Plus American Express Card	Capital One Spark Cash Select
Issuer	USAA	Capital One
Network	American Express	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	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Gas Stations	5.0%	1.5% (base)
military base purchases	5.0%	1.5% (base)
Supermarket purchases (up to $3,000/year)	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	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	17.15% - 31.15%	18.49% - 24.49%
Cash Advance APR	31.15%	29.99%
Penalty APR	32.4%	N/A
Late Fee	$35	$39
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Primary (when renting for business purposes)
Baggage Delay	Up to $100 per day for 3 days	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	Doubles original warranty up to 1 additional year	Extends warranty by 1 year
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	Up to $1,500 per covered person	—
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