Capital One
Spark Travel Elite
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Card review
Spark Travel Elite
Capital One
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$395
Welcome bonus
See issuer
Est. net value
$1,626/yr
Credit score
Varies
Top earn rate
10x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Spark Travel Elite from Capital One carries a $395 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $1,620.60 in rewards plus $400.00 in credits and perks — $1,625.60 net per year before welcome bonuses.
How the points work
10X Miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel
2X miles on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelCapital One Travel - Hotels | 10× |
| TravelCapital One Travel - Rental Cars | 10× |
| Everything elseAll Purchases | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Travel$300/yr
Receive a statement credit for $300 on travel purchases made via Capital One Travel.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Capital One Lounge
Access to Captial One Lounges. 1. High-Speed Wi-Fi 2. Grab-and-Go Food 3. Dining Stations 4. Fully Stocked Bars 5. Coffee Bars 6. Quiet Work Zones With Charge-Up Areas 7. Relaxation Rooms 8. Luggage Lockers 9. Cycling and Yoga Rooms 10. Shower Suites 11. Family-Friendly Environment 12. Parent’s Rooms 13. Multi-Faith Rooms
- Priority Pass
Get lounge access for you and up to two guests for free. (No restaurant credits.)
Included, not priced
- Anniversary Miles
Get 10,000 bonus miles every year on your card anniversary.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- British Airways Avios1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- Qantas Frequent Flyer1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$395
- Stated credits
- +$400
- Perks (est.)
- +$0
- Net after credits & perks
- $5
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $395 per year.