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Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Rewards Rate
Unlimited 2x miles per dollar
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 Redemption
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Edited by
Julie Sherrier
Reviewed by
Alexandria White
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Capital One Spark Miles for Business best for?

The Capital One Spark Miles for Business is a great option for businesses that require a lot of travel and want a no-fuss consistent earnings rate on all purchases. Compared to other business travel cards, this card offers the highest flat-rate miles program, plus an elevated earnings rate on hotel and rental car purchases.

There are multiple ways to redeem miles for flights, hotels, vacation packages and the added ability to transfer miles to 19 travel partners.

This card isn’t ideal for businesses that don’t want to pay an annual fee since there is a fee of  $0 intro for first year; $95 after that. Also, if your business is looking for a 0% intro period in which to finance a large purchase, this card doesn’t offer that option.

Capital One Spark Miles for Business overview

    • 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
    • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
    • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
    • $0 intro annual fee for the first year; $95 after that
    • Free employee cards which also earn unlimited 2X miles from their purchases
  • Credit needed:
    680 850
    Excellent/Good
  • Roadside assistance
  • Miles transfer to 10-plus airline partners
  • Travel assistance
  • Virtual card numbers
  • Extended warranty and protection
  • Global Entry/TSA Pre credit
  • Free employee cards

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$0 intro for first year; $95 after that

Regular Purchase APR

20.99% (Variable)

Cash Advance Fee

3% of the amount of the cash advance, but not less than $10

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at this Transfer APR

Pros and cons of the Capital One Spark Miles for Business

Pros

  • Generous signup bonus
  • Flat-rate cashback for all purchases
  • Waived annual fee the first year
  • Elevated rewards rate on hotels and rental cars
  • Foreign transaction fees of none

Cons

  • Annual fee after first year
  • No elevated rewards rate on typical office expenses
  • Reduced value on redeemed rewards when used as statement credit on travel purchases
  • Airline travel partners only include one U.S. airline

What we like about the Capital One Spark Miles for Business

  • Signup bonus

    New cardholders 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.

  • Unlimited cashback earnings

    Capital One Spark Miles for Business cardholders can earn an unlimited 2 miles per $1 on every purchase, everywhere, plus an elevated 5X earnings rate on hotel and rental car bookings made through Capital One Travel.

  • Transfer partners

    Cardholders can transfer their Capital One miles to the following 19 airline and hotel partners:

    • Accor Live Limitless (ALL)
    • Aeromexico (Club Premier)
    • Air Canada (Aeroplan)
    • Air France KLM (Flying Blue)
    • Alitalia (MilleMiglia Program)
    • Avianca (LifeMiles)
    • British Airways (Avios)
    • Cathay Pacific (Asia Miles)
    • Choice Hotels (Choice Privileges)
    • Emirates (Skywards)
    • Etihad Airways (Etihad Guest)
    • EVA Air (Infinity MileageLands)
    • Finnair (Finnair Plus)
    • JetBlue (TrueBlue)
    • Qantas (Qantas Frequent Flyer)
    • Singapore (KrisFlyer Program)
    • TAP Air Portugal (Miles&Go)
    • Turkish Airlines (Miles&Smiles)
    • Wyndham Rewards

    Transfers will be at a rate of 1:1, 2:1.5, or 2:1 depending on the specific partner.

  • Global Entry or TSA PreCheck credit

    Every four years, Capital One Spark Miles for Business cardholders who use their card to complete the Global Entry or TSA PreCheck application qualify for a statement credit of up to $100.

What to watch out for with the Capital One Spark Miles for Business

  • High credit requirement for approval

    Applicants must have excellent/good credit in order to be approved for this card. Business owners with fair/limited credit should take a look at the Capital One® Spark® Classic for Business.

  • Poor redemption value for non-travel statement credits

    If you choose to redeem your miles as a statement credit for purchases other than travel purchases, each mile is worth 0.5 cents instead of the 1 cent per mile for travel purchase redemptions.

  • Low rewards earning rate on regular business expenses

    While the Capital One Spark Miles for Business offer a reasonable flat earnings rate on all purchases, other cards, such as the Ink Business Preferred℠ Credit Card, offers a higher earnings rate on recurring business expenditures. For example, Ink Business Preferred℠ Credit Card cardholders Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. However, that rate is capped, where earnings on the Capital One Spark Miles for Business are not.

Alternate business card to the Capital One Spark Miles for Business

Compare it to the Capital One® Spark® Miles Select for Business

The Capital One Spark Miles for Business and the Capital One® Spark® Miles Select for Business are both travel-focused, but they differ in annual fee, rewards, and intro period. The Capital One Spark Miles for Business has an annual fee of $0 intro for first year; $95 after that while the Capital One® Spark® Miles Select for Business has a $0 annual fee. If you’re not interested in paying an annual fee, then the Capital One® Spark® Miles Select for Business is a good alternative.

In exchange for a $0 annual fee, the Capital One® Spark® Miles Select for Business offers a lower rewards rate of 2 miles per $1 on every purchase, everywhere.

However, a big plus of the Capital One® Spark® Miles Select for Business is that is offers an intro APR of 0% intro APR for 9 months (after which an APR of 13.99% - 23.99% (variable) APR applies). This allows your business to carry a balance and not be charged interest during the promotional period, which can come in handy when making a purchase where you need to spread out the payments over time.

The information related to the Capital One® Spark® Miles Select for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Compare the Capital One Spark Miles for Business to similar cards

Comparison of four different credit cards
Capital One Spark Miles for Business Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business Capital One Spark Cash for Business Ink Business Preferred℠ Credit Card
Capital One Spark Miles for Business Capital One® Spark® Miles Select for Business Capital One Spark Cash for Business Ink Business Preferred℠ Credit Card
Apply Now
on Capital One's secure site
Review Coming Soon Apply Now
on Capital One's secure site
Apply Now
on Chase's secure site
Welcome Offer
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. One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Rewards Rate
2 Miles per $1 on every purchase, everywhere 1.5 Miles per $1 on every purchase 2% Cash Back for your business on every purchase, everywhere Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Annual Fee
$0 intro for first year; $95 after that $0 $0 intro for first year; $95 after that $95
Regular APR
20.99% (Variable) 13.99% - 23.99% (Variable) 20.99% (Variable) 15.99%-20.99% Variable
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent
Card Details
Capital One Spark Miles for Business Additional card details unavailable Capital One Spark Cash for Business Ink Business Preferred℠ Credit Card

Is the Capital One Spark Miles for Business right card for you?

The Capital One Spark Miles for Business provides a great rewards program for businesses that would like to offset the cost of travel for a reasonable annual fee that is waived the first year. You earn a great flat-rate on miles that has no caps and if you travel abroad, there are foreign transaction fees of none. However, if you’re a heavy business traveler, know that there are other cards that offer more travel benefits, such as airport lounge access and more travel protections, but in exchange for those perks, charge a much higher annual fee.

Apply Now
on Capital One's secure site