Capital One Spark Miles for Business

Capital One Spark Miles for Business

Apply Now

on Capital One's secure site

Capital One Spark Miles for Business

Apply Now

on Capital One's secure site

Capital One Spark Miles for Business Review

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, the Capital One Spark Miles for Business is a great card for business travelers and their employees.

4

 

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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.

Capital One Spark Miles for Business

  Apply Now
Capital One Spark Miles for Business
Apply Now

on Capital One's secure site

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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

Rewards Rate

2 Miles per $1 on every purchase, everywhere

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

26.24% (Variable) on purchases and balance transfers

Annual Fee

$0 intro for first year; $95 after that

Card Brand

Mastercard®

Recommended Credit Score

Good/Excellent

Highlights

  • 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 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
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $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 are 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

$0 at the Transfer APR

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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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.

4

         

From the LendingTree editorial team, updated on Mar 25, 2024

This is another great miles reward card from Capital One that allows you to rack up miles fast with double miles earned on every purchase you make. New cardmembers can get a 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 any travel-related purchases, from flights and hotels to ride-sharing services. You also get itemized spending reports to help manage your business and budget.

The Good

  • Customers earn 2 miles per $1 on every purchase, everywhere. 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

  • You must have excellent/good credit to get approved and there is an annual fee of $0 intro for first year; $95 after that.

The Bottom Line

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, the Capital One Spark Miles for Business is a great card for business travelers and their employees.


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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