Written Best for
- Travelers
- Frequent Flyers
- Hotel Stays
- Airline Miles
Considerations
- Annual Fee
- Rewards Program (Cashback, Points, Miles)
- Sign-Up Bonus
- Benefits (Travel Insurance, Purchase Protection, etc.)
Pros
- No membership fees first year
- Free employee cards
- Earn 2x miles on all purchases with no limits
- No blackout dates or seat restrictions
- No minimum redemption amount
- Generous 50,000 mile sign-up bonus.
Cons
- Membership fees in the second year
- Sky-high penalty APR
- High regular APR
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Capital One Spark Miles for Business
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Capital One Spark Miles for Business 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Fair |
| Regular APR | Very Good |
| Annual Fee | Good |
| Welcome Bonus | Good |
| Rewards | Very Good |
| Benefits | Very Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Exceptional |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Good |
Who can apply for Capital One Spark Miles for Business?
We have categorized Capital One Spark Miles for Business 4 main useful user criteria. it's applied using the Lootrs methodology.
Capital One Spark Miles for Business Annual Fee
Card type: Business Credit Cards
Issuer Name: Capital One
$95 annual fee
The card’s $95 annual fee is on the high side of a business rewards card. The perks and rewards, however, more than makeup for this fee. If you are eyeing the card’s monster-sized sign-up bonus, the annual fee is especially worth it. Other cards on the market have 50,000 miles big welcome bonuses. This includes the Capital One Spark Miles for Business. But, they come with much higher annual fees.
Welcome Bonus
The Capital One Spark Miles for Business has one of the best things: its current signup bonus. New cardholders can earn 50,000 bonus miles. They get the miles after spending $4,500 on purchases. They must do this in the first three months of opening an account.
APRs: Capital One Spark Miles for Business
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Capital One Spark Miles for Business.
| Type of APR | Rating |
|---|---|
| Intro APR - No any intro offer of this card | 7/10Fair |
| Regular APR - 25.99% Variable APR | 8.6/10Very Good |
| Purchase - 25.99% Variable APR | 8.5/10Very Good |
| Balance transfer - 25.99% variable based on the Prime Rate | 7.8/10Good |
| Cash advance - 32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater | 8.9/10Very Good |
| Penalty - Up to 34.65% | 7.8/10Good |
Capital One Spark Miles for Business Benefits
Certainly! Here's a table. It shows the benefits of the Capital One Spark Miles for Business credit card:
| Benefits | Score |
|---|---|
| Travel Benefits Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. |
9/10Very Good |
| Earning rewards Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. |
8.9/10Very Good |
| No foreign transaction fee Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. |
9.4/10Very Good |
| No additional fee for employee cards Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. |
8.6/10Very Good |
Capital One Spark Miles for Business Rewards
Capital One Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- Earn 5X miles on hotel and rental car bookings through Capital One Travel
- Earn unlimited 2X miles per dollar on every purchase
- Earn a one-time bonus of 50,000 miles. They are worth $500 in travel. You get them once you spend $4,500 on purchases in the first 3 months.
- You can use rewards miles without blackouts or seat restrictions. They do not expire.
- You get extra employee cards for free. They also earn unlimited 2% cash back on all purchases.
Transfers to airline and hotel programs
The rewards also transfer to many Capital One airline partners. They also transfer to hotel partners. Capital One’s current airline and hotel transfer partners are:
- AeroMexico (Club Premier)
- British Airways (Executive Club)
- EVA Air (Infinity Miles)
- Air Canada (Aeroplan)
- Emirates (Skywards)
- Qantas Miles
- Avianca (LifeMiles)
- Etihad Guest Singapore Airlines (KrisFlyer)
- Air France/KLM (Flying Blue)
- Finnair Plus TAP (Miles&Go)
- Cathay Pacific (Asia Miles)
- ALL (Accor Live Limitless)
- Choice Privileges
- Turkish Airlines (Miles&Smiles)
Capital One Spark Miles for Business Card Rewards Potential
| Category | Earning Rate | Estimated Annual Spend | Estimated Annual Earnings |
| Hotels through Capital One Travel | 5X | $2,600 | 13,000 |
| Rental cars booked through Capital One | 5X | $1,200 | 6,000 |
| All other purchases | 2X | $25,000 | 50,000 |
| Capital One Miles | Total: 69,000 |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.To qualify for the Capital One Spark Miles for Business, we suggest a credit score within the range of 690 (Fair) to 850 (Exceptional). This ensures eligibility for tailored benefits and rewards aligned with your credit profile. Apply now to seize exclusive perks and elevate your credit card experience with us.
Compare The Capital One Spark Miles for Business vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Capital One Spark Miles for Business
|
Chase Freedom Unlimited® Card
|
American Express Blue Cash Everyday® Card
|
|---|---|---|
| 8.4MyCreditCardLab Score |
8.7MyCreditCardLab Score MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.9MyCreditCardLab Score MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $95 | $0 | $0 |
| INTRO APR | ||
| N/A | 0% intro APR for 15 months | 0% intro APR for 15 months |
| REGULAR APR | ||
| 25.99% Variable APR | 20.49% - 29.24% (V) APR after that | 19.24% - 29.99% Variable APR |
| WELCOME BONUS | ||
| 50,000 miles after spending $4,500 within the first three months | Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! | $200 if you spend $2,000 in first 6 months |
| REWARDS | ||
| Unlimited 2X miles per dollar on all purchases, 5X miles on hotels and rental cars booked through Capital One Travel | Unlimited 5% cash rewards on travel and restaurants. | 3% cash back on gas station, U.S. Online Retail Purchases and grocery store |
| BENEFITS | ||
| Travel, Rental car | Travel, Dining at restaurants | U.S. Online Retail Purchases, Gas station, Grocery store |
| CASH ADVANCE FEE / APR | ||
| 5% (min $5) / 32.24% | 5% (min $10) / 29.99% | 5% (min $10) / 29.99% |
| BALANCE TRANSFER FEE | ||
| $0 at the Transfer APR | Either $5 or 5% of the amount of each transfer, whichever is greater. | Either $5 or 3% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) | 700 - 749 (Fair - Good) |
| FOREIGN TRANSACTION FEE | ||
| $0 | 3% in U.S. dollars | 2.7% |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Comparison
| Capital One Spark Miles | Ink Business Preferred® | |
| Issuer | Capital One | Chase |
| Annual fee | $95 ($0 for first year) | $95 |
| Rewards | Earn 5X miles on hotel and car bookings through Capital One Travel. Earn 2X on all other purchases. | You get 3 times the points on travel, shipping, internet, cable, and phone services. You also get 3 times the points on ads bought with social media and search engines. This applies to the first $150,000 in total purchases each year. |
| Employee cards | Free | Free |
Capital One Login
Follow these easy steps:
Step 1. Go to the Login Capital One page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Capital One Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Capital One Spark Miles for Business credit card below and get the answers you're looking for.
Redeem them for travel and to cover eligible purchases. They're worth 1 cent per mile. However, other redemption options provide lower value. These options include cash back or gift cards. When you transfer miles to airline and hotel partners, you may get much more value. The amount depends on the redemption.
Small business owners looking for a good flat rate of rewards.
They are frequent travelers. They prefer hunting for deals on third-party sites to using a bank’s travel portal.
Cardholders looking to add employee cards at no extra fee.
Cardholders will use tools to track their budget and spending.
Air Canada Aeroplan
Air France/KLM Flying Blue
British Airways Avios
Choice Hotels
JetBlue TrueBlue
And many more (check more in reward section)
The Capital One Spark Miles for Business credit card is a great business card. It's for companies that travel a lot. Earning 2X miles on all purchases (not just travel) is quite the perk.
The impressive introductory bonus is another one. It's a great card for everyday earning. There aren't many better offers than the Spark Miles.
