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Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Earn 50,000 Bonus Miles

Capital One® Spark® Miles for Business
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Balance Transfer APR 20.99% variable based on the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $95
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • 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 – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months
  • Rewards miles do not expire and can be redeemed without blackouts or seat restrictions
  • Additional employee cards at no cost, which also earn unlimited 2% cash back on all purchases
Rates & Fees
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% variable based on the Prime Rate
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 30.90% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. After that, $95
  • Late Payment Penalty Fee: Up to $39
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At a Glance

The Spark® Miles from Capital One® card shines in both the strength and simplicity of its features, namely being able to earn an unlimited two miles for every dollar spent on all purchases. Combine that with its impressive introductory signup offer and you’ve got a card that companies will be clamoring for.

Ideal for Those Who:

  • Travel frequently and can maximize the miles that can be earned
  • Are eager to earn an unlimited 2X miles on all purchases, every day
  • Want a huge introductory bonus that requires at least $5,000 in initial spending within the first three months of being a cardholder

Spark® Miles from Capital One® Review

There’s no need to stress over calculating the travel rewards categories that you make purchases with using the Spark® Miles from Capital One® credit card if you’re hoping to rack up those unlimited 2X miles, nor are there blackout dates, seat restrictions, or a minimum for redeeming rewards. As the miles earned with the Spark® Miles from Capital One® won’t expire for the life of the account, that can equal to some serious rebates when saved up over the course of a year or even at the end of the quarter.

A Huge Signup Bonus

One of the biggest appeals of the Spark® Miles from Capital One® is its current signup bonus. New cardholders can earn 50,000 bonus miles after spending at least $5,000 in the first three months since opening an account. However, if at least $50,000 are spent within the first six months from account opening, an additional 150,000 bonus miles are awarded. That’s a total of 200,000 bonus miles – which equals $2,000 in travel redemptions – in addition to the miles earned for the purchases made on the journey to hit that threshold.

Other Nice-to-Haves

Travelers can also rest easy knowing they’re covered with zero fraud liability should their Spark® Miles from Capital One® card get lost or stolen, as well as automatic alerts if any suspicious activity is detected. Businesses will also benefit from the custom itemized spending reports they’ll receive both quarterly and yearly from the Spark® Miles from Capital One®, and the ability to download purchases to familiar formats such as Quicken®, Quickbooks™, and Excel®.

Should You Apply for the Spark® Miles from Capital One®?

The Capital OneSpark® Miles small business credit card is an excellent business card for companies that frequently travel. Earning 2X miles on all purchases is quite the perk, as is the impressive introductory bonus. For businesses that want a solid rewards card for everyday earning, there aren’t many offers better than the Spark Miles.

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