Choice Privileges Select Mastercard vs Capital One Spark Cash Plus

Side-by-side comparison of Choice Privileges Select Mastercard and Capital One Spark Cash Plus. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Choice Privileges Select Mastercard	Capital One Spark Cash Plus
Issuer	Wells Fargo	Capital One
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$95.00	$150.00
Base Rate	1.00%	2.00%
Travel Rewards	10.00x	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)	2.0% (base)
Hotels	10.0%	2.0% (base)
Gas Stations	5.0%	2.0% (base)
Supermarkets	5.0%	2.0% (base)
Home Improvement Stores	5.0%	2.0% (base)
Telecommunications	5.0%	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	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	21.24% - 29.99%	null% - null%
Cash Advance APR	29.99%	N/A
Penalty APR	N/A	N/A
Late Fee	$40	$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	Covered up to $800 per claim (subject to $25 deductible)	—
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