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Monday, March 4, 2024

Capital One Spark Miles for Business

Toby Sembower

By: Toby Sembower

Toby Sembower
Toby Sembower

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Are you considering applying for the Capital One Spark Miles for Business? Here's a rundown of the key details of the card, along with links to its official website and application.

This card offers generous air miles for businesses, which come in handy for needed business travel. The rates and fee structure make this card all the more attractive to small businesses.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

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Capital One Spark Miles for Business Review

at Capital One'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Interest Rate & Annual Fee

According to the issuer, the Capital One Spark Miles for Business currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 26.24% (Variable)

The following is the current annual fee for the Capital One Spark Miles for Business, as listed by the issuer:

  • Annual Fee: $0 intro for first year; $95 after that
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit requirement for the Capital One Spark Miles for Business is:

  • Credit Level: Excellent, Good

Our Ratings by Category

(Ranked #5 out of 20)
★★★★★
4.8
(Ranked #2 out of 24)
★★★★★
4.7
(Ranked #16 out of 43)
★★★★★
4.7

About the Author

Toby Sembower
Toby Sembower Finance Expert

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Toby Sembower