USES

Capital One Spark Miles for Business Review

Capital One Spark Miles for Business — all information about the card.

Updated April 23, 2024
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Capital One Spark® Miles
Learn more
on our partner’s site
Our Rating:
4.11 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • Intro Offer:
    • 50,000x Miles once you spend $4,500 on purchases within the first 3 months of account opening.
  • Annual Fee:
    $0 intro for the first year
    $95 thereafter
  • Purchase Intro APR:
    None
  • Regular APR:
    26.24% Variable
  • Balance Transfer APR:
    26.24% Variable
Show more

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Annual Fee
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Regular APR
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Cash Back on hotels and rental cars booked through Capital One Travel.
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Capital One Spark Miles for Business Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5X
Hotels
$
5X
Car rental
$
2X
All purchases
$
Have you already recieved the Capital One intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Miles
    • 5x On hotels and rental cars booked through Capital One Travel.
    • 2x On every purchase for your business.
  • Travel
    • $100 Travel Credit This card is great for businesses that want up to $100 credit for Global Entry or TSA PreCheck®.
    • No Foreign Transaction Fees:
    • Pay zero foreign transaction fees on purchases made outside of the United States.
    • Miles Transfer:
    • With your Spark Miles card, you may be able to transfer miles to one of our 15+ participating partners.
    • Capital One Lounge:
    • Relax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 26.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 26.24% Variable
  • APR for Cash Advances
    • 32.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0 intro for the first year
      $95 thereafter
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • 5% of the amount of the cash advance, but not less than $5
  • Penalty Fees
    • 34.65%
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • Attractive sign-up bonus
  • No foreign transaction fees
Cons:
  • No 0% APR period
  • Annual fee after the first year

Features

Classic
Visa
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Travel
  • Airline
  • Airport Lounge Access
  • Good Credit
  • Excellent Credit

About the issuer

Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer Service

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3.53 out of 5
Recommended credit score
score
Excellent (740-799)
  • $395
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 10,000x
    10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • None
    Purchase Intro APR
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Cash Back, No Annual Fee, Daily use
Quicksilver Capital One
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Recommended credit score
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Good to Excellent (670-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
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Low income
Upgrade Triple Cash Rewards Visa® Upgrade
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4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website

See Another Credit Cards in the Bank

Capital One Spark Miles is an option for those, who need Classic features. With a variable interest rate of 26.24% and an annual introductory fee of $0 for the first year ($95 after that), this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Capital One Spark Miles you will get such features as No foreign transaction fees, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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