Spark® Miles Select from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable) (0% for the first 9 months)
Balance Transfer
13.99% ‐ 23.99% (Variable)
1.5 - 5 Miles
Signup Bonus
20000 miles (after spending $3,000)

Informr score
The Spark® Miles Select from Capital One® currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® Miles Select 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...

A good tool for shaving the cost of business travel without investing in an annual fee or a complicated rewards scheme, the Spark Miles Select card from Capital One offers hassle-free travel rewards that are easy to redeem.

- Kelly Dilworth,

While the Capital One Spark Miles Select doesn’t charge an annual fee like some other business credit cards, its rewards program is also less lucrative than many of its pricier competitors. Consider your spending habits to determine the card that best fits your business. Beyond the rewards, it’s imp...

- Ben Luthi, Investopedia

The Capital One Spark Miles Select for Business offers good rewards for no annual fee. But if you spend a lot, you could get better value from the Capital One Spark Miles for Business or another travel business credit card that charges an annual fee. Additionally, you should examine if you spend mor...

- Ben Luthi, Cardcruncher
The Points Guy

When Capital One added the ability to transfer miles to travel partners it vaulted the Capital One® Spark® Miles Select for Business into a rare category – a card with the ability to earn transferrable rewards without paying an annual fee. That makes this card worthwhile for business owners who don’...

- Jason Stauffer, The Points Guy

This card could be suited to business owners who want to keep travel rewards as simple as possible. The introductory APR period also makes it attractive if you need time to pay off purchases with no interest.

- Rebecca Lake, MyBankTracker


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 9 months)

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

Balance Transfer Interest Rate 13.99% ‐ 23.99% (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 $0.00
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 20000 miles after spending $3,000

On purchases within the first 3 months.

All Purchases 1.5 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

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