Capital One Spark Miles Select for Business review

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Advertiser Disclosure

Interest Rate: Purchases
15.24% ‐ 23.24% (0% for the first 9 months)
Balance Transfer
15.24% ‐ 23.24%
Rewards
1.5 Miles
Signup Bonus
20000 miles (after spending $3,000)


9/10
Informr score
The Capital One Spark Miles Select for Business currently has an Informr score of 9 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Capital One Spark Miles Select for Business 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...


NextAdvisor

Capital One® Spark® Miles Select for Business charges no annual fee or foreign transaction fees and earns cardholders 1.5 miles per every dollar spent on all purchases. This means that all of your business purchases earn the same amount of miles — you don’t have to worry about spending limits. Addit...

- NextAdvisor
CreditCards.com

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, CreditCards.com
CardRatings.com

It's a rare travel rewards card with no annual fee and the potential to earn 1.5 miles per dollar spent on every purchase for your business, all year long. These miles don’t expire for the life of the account and there are no categories to limit where or what you buy.

- Curtis Arnold, CardRatings.com
MoneyUnder30

With no annual fees and no foreign transaction fees, you are already saving before you get started. Add to that the high earn rate and the generous welcome bonus, and the Capital One® Spark® Miles Select for Business looks more attractive by the minute.

- Laura Cook, MoneyUnder30
Finder

With Capital One Spark Miles Select for Business, you could earn 1.5 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. 

- Finder

Details


Interest Rates
Regular APR Interest Rate 15.24% ‐ 23.24% (0% for the first 9 months)

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

Balance Transfer Interest Rate 15.24% ‐ 23.24%

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 $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

Maximum

Promotions
Sign up bonus 20000 miles after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1.5 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

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


NextAdvisor

Earn 1.5 miles per $1 spent on every purchase

Capital One® Spark® Miles Select for Business charges no annual fee or foreign transaction fees and earns cardholders 1.5 miles per every dollar spent on all purchases. This means that all of your business purchases earn the same amount of miles — you don’t have to worry about spending limi...More

Capital One® Spark® Miles Select for Business charges no annual fee or foreign transaction fees and earns cardholders 1.5 miles per every dollar spent on all purchases. This means that all of your business purchases earn the same amount of miles — you don’t have to worry about spending limits. Additionally, you’ll earn 20,000 bonus miles once you spend $3,000 on purchases within 3 months from account opening. For users that prefer accruing miles to cash back, this is a great card.

Read full review

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CreditCards.com

A modest rewards rate that can add up quickly

from CreditCards.com

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.

Read full review

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.

Read full review

Less

CardRatings.com

The flexible rewards program is great for those who prefer not to be tied to any one brand

from CardRatings.com

It's a rare travel rewards card with no annual fee and the potential to earn 1.5 miles per dollar spent on every purchase for your business, all year long. These miles don’t expire for the life of the account and there are no categories to limit where or what you buy.

Read full review

It's a rare travel rewards card with no annual fee and the potential to earn 1.5 miles per dollar spent on every purchase for your business, all year long. These miles don’t expire for the life of the account and there are no categories to limit where or what you buy.

Read full review

Less

MoneyUnder30

A lot of value for minimal outlay

from MoneyUnder30

With no annual fees and no foreign transaction fees, you are already saving before you get started. Add to that the high earn rate and the generous welcome bonus, and the Capital One® Spark® Miles Select for Business looks more attractive by the minute.

Read full review

With no annual fees and no foreign transaction fees, you are already saving before you get started. Add to that the high earn rate and the generous welcome bonus, and the Capital One® Spark® Miles Select for Business looks more attractive by the minute.

Read full review

Less

Finder

Helps you earn unlimited 1.5 miles while paying for your business expenses

With Capital One Spark Miles Select for Business, you could earn 1.5 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 Select for Business, you could earn 1.5 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

Credit Fast

A solid rewards rate without charging you an annual fee

from Credit Fast

Considering it doesn’t have an annual fee and has a solid base rewards rate, the Capital One Spark Miles Select for Business card is a worthy addition to your wallet. It’s an especially good choice if you’d prefer to keep it simple and avoid jumping down the credit card rabbit hole, so to speak.

Read full review

Considering it doesn’t have an annual fee and has a solid base rewards rate, the Capital One Spark Miles Select for Business card is a worthy addition to your wallet. It’s an especially good choice if you’d prefer to keep it simple and avoid jumping down the credit card rabbit hole, so to speak.

Read full review

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Wise Bread

Get miles without the fees

from Wise Bread

The Capital One Spark Miles Select for Business Credit Card is best for small business owners whose spending varies. It is also best if you need to make a large purchase with the card and can benefit from the 0% intro purchase APR and earn the one-time bonus.

Read full review

The Capital One Spark Miles Select for Business Credit Card is best for small business owners whose spending varies. It is also best if you need to make a large purchase with the card and can benefit from the 0% intro purchase APR and earn the one-time bonus.

Read full review

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Credit Card Insider

For business owners who spend quite a bit on travel each year

from Credit Card Insider

The Spark Miles Select for Business is a good travel rewards cards for small business owners. It can be used effectively by people who don’t travel very much. It also has a number of valuable business benefits to help you manage spending and track activity.

Read full review

The Spark Miles Select for Business is a good travel rewards cards for small business owners. It can be used effectively by people who don’t travel very much. It also has a number of valuable business benefits to help you manage spending and track activity.

Read full review

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Bankrate

User-friendly travel rewards card for small businesses

from Bankrate

Anyone who wants to earn travel rewards that can be used in advance, or as a credit back against a trip already taken, can benefit from the simple structure of this card. Keep in mind if you think you’ll occasionally be late paying the bill, or miss a payment altogether, the penalty APR on Cap...More

Anyone who wants to earn travel rewards that can be used in advance, or as a credit back against a trip already taken, can benefit from the simple structure of this card. Keep in mind if you think you’ll occasionally be late paying the bill, or miss a payment altogether, the penalty APR on Capital One Business credit cards is high and will apply for at least a year.

Read full review

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RewardExpert

It does offer one amazing thing: simplicity

from RewardExpert

The card comes with a decent 20,000 -point sign-up bonus and earns 1 miles on all purchases. Additionally, employee cards are free, there’s no annual fee and you’ll get 0% APR on purchases for the first nine months. That’s a great perk if you have a big business purchase coming up!

Read full review

The card comes with a decent 20,000 -point sign-up bonus and earns 1 miles on all purchases. Additionally, employee cards are free, there’s no annual fee and you’ll get 0% APR on purchases for the first nine months. That’s a great perk if you have a big business purchase coming up!

Read full review

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User Reviews


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