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Capital One Spark Miles for Business
Capital One Spark Miles for Business Review
With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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Capital One Spark Miles for Business
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Capital One Spark Miles for Business
SIGN-UP BONUS
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
REWARDS RATE
2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards Rate
2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Sign-Up Bonus
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
APR
25.24% (Variable) on purchases and balance transfers
Annual Fee
$0 intro for first year; $95 after that
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Additional Info
Foreign Transaction Fee
None
Balance Transfer Fee
Balance transfers are not available on Spark Miles
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Apr 01, 2025
This is another great miles reward card from Capital One that allows you to rack up miles fast with major miles earned on every purchase you make. New cardmembers can earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. The Capital One Spark Miles for Business card combines convenient business management features with a reliable miles rewards program and a robust bonus option.
Like most business credit cards, you can place spending limits and track your employee's purchases. For the traveling business person, there are no special travel restrictions or blackout dates, and you can redeem miles instantly for a wide range of travel-related purchases, from flights and hotels to ride-sharing services.
The Good
- Customers earn 2 miles per $1 on every purchase, everywhere; 5 miles per dollar on hotels, vacation rentals and rental cars booked through capital one travel. You can also earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
The Not So Good
- Based on our research, you'll need excellent-good credit. There is also an annual fee of $0 intro for first year; $95 after that.
The Bottom Line
With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
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on Chase's secure site
Sign-Up Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Rewards Rate
Earn unlimited 1.5% cash back on every purchase made for your business
Rates & Fees
$0 annual fee and 0% Intro APR on Purchases for 12 months, then an APR of 17.49% - 23.49% Variable.
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on Chase's secure site
Intro Purchase APR
0% Intro APR on Purchases for 12 months, then 17.49% - 25.49% Variable
Sign-Up Bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Cash Back Rewards
Earn 5% cash back in select business categories
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Apply Now
on Chase's secure site
Sign-Up Bonus
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Travel Benefits
Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Foreign Transaction Fee
$0
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