Spark® Miles from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
20.99% (Variable)
Balance Transfer
20.99% (Variable)
2 - 5 Miles
Signup Bonus
50000 miles (after spending $4,500)

Informr score
The Spark® Miles from Capital One® currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 24 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...


The Capital One Spark Miles offers rewards that are solid on regular purchases, and better than that on hotels and rental cars—admittedly a limited range of travel expenses—which earn 5 miles per dollar spent. Combined with a decent bonus, albeit for a fairly highly spending requirement, this card c...

- Ben Luthi, Investopedia

Business that find themselves traveling a lot would benefit greatly by owning the Capital One® Spark® Miles for Business. Two miles earned per dollar spent on all purchases plus a potential 50,000 mile bonus is a terrific rewards program and opening offer. Bonus details are follows – Earn 50,000 bon...

- Lance Cothern, MoneyUnder30
The Simple Dollar

The Capital One® Spark® Miles for Business is a great credit card option for business owners who travel and have employees that make purchases. You can also enjoy no annual fee the first year, no foreign transaction fees, and Visa Business Benefits.

- rboehmcke, The Simple Dollar

The could be a great fit if you want to earn unlimited miles on every purchase, with a chance to boost miles earnings on hotels and car rentals. You may want to opt for a different card if you're looking for something that's compatible with a specific frequent flyer or hotel loyalty program. Another...

- Rebecca Lake, MyBankTracker

Are you a business owner who wants to earn rewards you can redeem for travel without a lot of hassle? The Capital One® Spark® Miles for Business may be the perfect card for your situation. This card is ideal if you don’t want to worry about rotating rewards categories, have multiple employees to giv...

- Christy Rakoczy, FinanceBuzz


Interest Rates
Regular APR Interest Rate 20.99% (Variable)

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

Balance Transfer Interest Rate 20.99% (Variable)

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

Cash Advance Interest Rate 26.99% (Variable)

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


Sign up bonus 50000 miles after spending $4,500

On purchases within the first 3 months.

All Purchases 2 miles for $1 spent
Restaurants No
Gas No
Groceries No
Hotels 5 miles for $1 spent
Travel No
Pharmacy No
Bills No
Additional Details

5 miles for $1 spent on rental car bookings through Capital One Travel

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
Virtual Cards Yes
Additional Benefits

- Lost Luggage Reimbursement

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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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