Snapshot
Welcome Offer
Bonus None None Spend Requirement — — Timeline — —
Rewards Breakdown
Base Rate 1.0% (base) 2.0% (base) Gas Stations 5.0% 2.0% (base) military base purchases 5.0% 2.0% (base) Supermarket purchases (up to $3,000/year) 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
Pricing Details
Purchase APR 17.15% - 31.15% 25.49% - 25.49% 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 — 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
More Comparisons
All USAA Cashback Rewards Plus American Express Card comparisons →
All Capital One Spark Miles for Business comparisons →
Capital One Spark Miles for Business vs USAA Cashback Rewards Plus American Express Card →
