Spark® Miles from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
19.24%
Balance Transfer
19.24%
Rewards
2 Miles
Signup Bonus
50000 miles (after spending $4,500)


9/10
Informr score
The Spark® Miles from Capital One® currently has an Informr score of 9 out of 10. This score is based on our evaluation of 19 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Spark® Miles from Capital One® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, the Capital One® Spark® Miles for Business is a great card for business travelers and their employees.

- Compare Cards
CreditCards.com

If you are a small business owner looking to earn a flat rate of miles on every purchase you make, the Capital One Spark Miles for Business offers a generous rate that makes it easy to stockpile rewards. Then, you can redeem those miles for any travel purchase with ease – thanks to Capital One’s Pur...

- Robin Ratcliff, CreditCards.com
NextAdvisor

Capital One® Spark® Miles for Business is a great card for businesses that want to earn a generous miles rate on all purchases. That’s because, with this card, you’ll earn 2 miles per $1 on every purchase. On top of that, you’ll earn an outstanding 50,000-mile bonus once you spend $4,500 on purchase...

- NextAdvisor
The Points Guy

The current limited-time sign-up bonus of up to 200,000 miles (which is really 300,000 miles when you factor in the miles you’ll earn through spending) is incredible, especially considering that you could get it without paying any annual fees in the first year. Just remember that depending on your c...

- Benji Stawski, The Points Guy
NerdWallet

If your business spends a lot on non-travel-related expenses and you like to travel, the Capital One Spark Miles for Business is a solid choice. However, if you’re looking for the flexibility of cash or a better redemption value, it may be worth exploring some other business credit card options.

- Ben Luthi, NerdWallet

Details


Interest Rates
Regular APR Interest Rate 19.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00

Waived on the first year.

Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 50000 miles after spending $4,500

On purchases within the first 3 months.

Rewards
All Purchases 2 miles for $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Lost Luggage Reimbursement

- Receive up to $100 credit for Global Entry or TSA Precheck

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

Take flight: earn unlimited 2X miles on every purchase

Compare Cards

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, the Capital One® Spark® Miles for Business is a great card for business travelers and their employees.

Read full review

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, the Capital One® Spark® Miles for Business is a great card for business travelers and their employees.

Read full review

Less

CreditCards.com

Big bonus and valuable travel rewards

from CreditCards.com

If you are a small business owner looking to earn a flat rate of miles on every purchase you make, the Capital One Spark Miles for Business offers a generous rate that makes it easy to stockpile rewards. Then, you can redeem those miles for any travel purchase with ease – thanks to Capital One’s Purchase Eraser.

Read full review

If you are a small business owner looking to earn a flat rate of miles on every purchase you make, the Capital One Spark Miles for Business offers a generous rate that makes it easy to stockpile rewards. Then, you can redeem those miles for any travel purchase with ease – thanks to Capital One’s Purchase Eraser.

Read full review

Less

NextAdvisor

Offers combination of a hefty bonus and an impressive miles reward rate

Capital One® Spark® Miles for Business is a great card for businesses that want to earn a generous miles rate on all purchases. That’s because, with this card, you’ll earn 2 miles per $1 on every purchase. On top of that, you’ll earn an outstanding 50,000-mile bonus once you spend $4,500 on purchases within 3 months from account opening.

Read full review

Capital One® Spark® Miles for Business is a great card for businesses that want to earn a generous miles rate on all purchases. That’s because, with this card, you’ll earn 2 miles per $1 on every purchase. On top of that, you’ll earn an outstanding 50,000-mile bonus once you spend $4,500 on purchases within 3 months from account opening.

Read full review

Less

The Points Guy

A solid business card pick

from The Points Guy

The current limited-time sign-up bonus of up to 200,000 miles (which is really 300,000 miles when you factor in the miles you’ll earn through spending) is incredible, especially considering that you could get it without paying any annual fees in the first year. Just remember that depending on y...More

The current limited-time sign-up bonus of up to 200,000 miles (which is really 300,000 miles when you factor in the miles you’ll earn through spending) is incredible, especially considering that you could get it without paying any annual fees in the first year. Just remember that depending on your company’s spending habits, you might want to pair this card with one that offers bonus categories to maximize your rewards.

Read full review

Less

NerdWallet

Earn high-flying travel rewards for your business

from NerdWallet

If your business spends a lot on non-travel-related expenses and you like to travel, the Capital One Spark Miles for Business is a solid choice. However, if you’re looking for the flexibility of cash or a better redemption value, it may be worth exploring some other business credit card options.

Read full review

If your business spends a lot on non-travel-related expenses and you like to travel, the Capital One Spark Miles for Business is a solid choice. However, if you’re looking for the flexibility of cash or a better redemption value, it may be worth exploring some other business credit card options.

Read full review

Less

CardRatings.com

Straightforward, simple rewards program

from CardRatings.com

If you don't have the time or the manpower to wade through a complicated rewards program to figure out the maximum value, the simplicity of Capital One® Spark® Miles for Business will make you smile.

Read full review

If you don't have the time or the manpower to wade through a complicated rewards program to figure out the maximum value, the simplicity of Capital One® Spark® Miles for Business will make you smile.

Read full review

Less

Dough Roller

Offers excellent rewards for business owners

from Dough Roller

If for no other reason, owning a small business credit card is a really smart idea. The 50,000 mile bonus and double miles rewards the Capital One Spark Miles for Business offers means this card is a must own for any business that would benefit from use of a credit card.

Read full review

If for no other reason, owning a small business credit card is a really smart idea. The 50,000 mile bonus and double miles rewards the Capital One Spark Miles for Business offers means this card is a must own for any business that would benefit from use of a credit card.

Read full review

Less

Finder

Helps you earn unlimited miles while paying for your business expenses

With Capital One Spark Miles for Business card, you can earn 2 miles for every dollar spent on business needs. It comes with a low annual fee and no foreign transaction fees, and earned miles are good on any airline at any time with no restrictions or blackout dates.

Read full review

With Capital One Spark Miles for Business card, you can earn 2 miles for every dollar spent on business needs. It comes with a low annual fee and no foreign transaction fees, and earned miles are good on any airline at any time with no restrictions or blackout dates.

Read full review

Less

One Mile at a Time

Offers some other potentially valuable perks

from One Mile at a Time

The Capital One Spark Miles for Business offers a generous sign-up bonus, has the annual fee waived for the first year, and offers the equivalent of 2% back towards travel, in the form of 2x miles. It’s a compelling card, though personally I think the Capital One Spark Cash for Business is more compelling.

Read full review

The Capital One Spark Miles for Business offers a generous sign-up bonus, has the annual fee waived for the first year, and offers the equivalent of 2% back towards travel, in the form of 2x miles. It’s a compelling card, though personally I think the Capital One Spark Cash for Business is more compelling.

Read full review

Less

Wise Bread

Easy business rewards

from Wise Bread

The Capital One Spark Miles for Business Credit Card is best for small business owners whose purchases include travel-related expenses that you can cover with the miles earned.

Read full review

The Capital One Spark Miles for Business Credit Card is best for small business owners whose purchases include travel-related expenses that you can cover with the miles earned.

Read full review

Less

User Reviews


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