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Spark® 2X Miles from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.24% (Variable)
Interest Rate: Purchases
21.24% (Variable)
Balance Transfer
21.24% (Variable)
Balance Transfer
21.24% (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 9 out of 10. This score is based on our evaluation of 28 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...


If you're looking for a business credit card that lets you earn flexible rewards with no annual fee the first year, the Capital One Spark Miles for Business could be for you. The same can be said if you want a few basic travel perks like Global Entry or TSA Precheck membership or airport lounge visi...

- Holly Johnson, ValuePenguin
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
Fit Small Business
Fit Small Business

The Capital One® Spark® Miles for Business is best for business owners who prefer to earn fixed-rate, miles-based rewards for all business-related purchases at a low annual fee. This card may be an ideal fit if you travel for business often.

- Benilyn Formoso - Suralta, Fit Small Business

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

If you are a small business owner and you or your employees do a fair amount of traveling for business, the Capital One Spark Miles for Business card can be a very effective tool in your fiscal arsenal. If you don't have the time or the manpower to wade through a complicated rewards program to figur...

- Brooklyn Lowery,


Interest Rates
Regular APR Interest Rate 21.24% (Variable)

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

Balance Transfer Interest Rate 21.24% (Variable)

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

Cash Advance Interest Rate 27.24% (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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