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Spark® 2X Miles from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
23.99% (Variable)
Interest Rate: Purchases
23.99% (Variable)
Balance Transfer
23.99% (Variable)
Balance Transfer
23.99% (Variable)
2 - 5 Miles
2 - 5 Miles
Signup Bonus
50000 miles (after spending $4,500)
Signup Bonus
50000 miles (after spending $4,500)

Informr score
The Spark® 2X Miles from Capital One® currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 27 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® 2X 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 for Business may suit small business owners seeking simplicity as it earns 2X miles per dollar spent on all purchases. However, if you frequently spend in certain categories, you could easily maximize more reward earnings with other business reward cards, especially if yo...

- Garrett Yarbrough, Bankrate
One Mile at a Time
One Mile at a Time

The Capital One Spark Miles is a solid business credit card if you’re looking to earn travel rewards. The card offers unlimited 2x Spark miles, and those miles can be redeemed for one cent each toward a travel purchase, or can be transferred to an airline or hotel partner, typically at a ratio of 1:...

- Ben Schlappig, One Mile at a Time

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 give...

- Christy Rakoczy, FinanceBuzz
Money Crashers
Money Crashers

Capital One Spark Miles for Business has a lot in common with Capital One Venture Rewards, a popular travel rewards card for consumers. Like Spark Miles for Business, Venture Rewards earns 2 miles on every purchase, with no limitations or restrictions. If you’ve dreamed of starting your own business...

- Brian Martucci, Money Crashers

A great option for small-business operators who prize simplicity in a travel rewards program, or whose spending doesn't fit neatly into the bonus categories of other travel cards.

- Kimberly Palmer, Paul Soucy, NerdWallet


Interest Rates
Regular APR Interest Rate 23.99% (Variable)

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

Balance Transfer Interest Rate 23.99% (Variable)

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

Cash Advance Interest Rate 29.99% (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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