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Spark® 1.5X Miles Select from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 9 months)
Interest Rate: Purchases
18.24% ‐ 28.24% (Variable) (0% for the first 9 months)
Balance Transfer
18.24% ‐ 28.24% (Variable)
Balance Transfer
18.24% ‐ 28.24% (Variable)
1.5 - 5 Miles
1.5 - 5 Miles
Signup Bonus
20000 miles (after spending $3,000)
Signup Bonus
20000 miles (after spending $3,000)

Informr score
The Spark® 1.5X Miles Select from Capital One® currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 21 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® 1.5X 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...


The Capital One® Spark® Miles Select for Business is best for small businesses looking for a no-annual-fee rewards card with a simple rewards program and generous travel benefits.

- Brett Holzhauer, MoneyGeek

This no annual fee business card offers a simpler way to earn free or reduced cost travel than you’ll find with more traditional travel cards: Instead of earning bonuses on certain types of purchases, you’ll earn the same 1.5 miles on every purchase. Depending on how often you and your employees use...

- Kelly Dilworth,

The best applicant for the Capital One® Spark® Miles Select for Business credit card is someone who wants flexibility with how they use their credit card (and earn rewards), but who doesn't use their card quite enough to offset the cost of an annual fee. This card is also a great option for any smal...

- Jennifer Doss,

If you’re looking for rewards when making company purchases, this card is already off to a great start — Earn 5X miles on hotel and rental car bookings made through Capital One Travel, and an unlimited 1.5X miles on all other purchases made with all cards associated with the account. Even if you spe...

- Dori Zinn, FinanceBuzz

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 18.24% ‐ 28.24% (Variable) (0% for the first 9 months)

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

Balance Transfer Interest Rate 18.24% ‐ 28.24% (Variable)

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

Cash Advance Interest Rate 31.24% (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 $3

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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