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Apply online for Capital One® Spark® Miles for Business
About Our Ratings
Credit Needed
Excellent, Good

Capital One® Spark® Miles for Business Review

Pros & Cons

  • Rewards program boasts one of the highest earn rates available
  • Uses the same great redemption tool as the Capital One® Venture® cards
  • There's a ton of flexibility when it comes to redeeming points in that your points don't expire and no blackout dates, airline restrictions or seat restrictions apply.
  • Those that spend less than $1,000 monthly may be better off with a card without an annual fee.

Top Features

Points or Miles
2 miles/$1
Bonus Miles or Points
50,000 miles
once you spend $4,500 on purchases within 3 months of approval
Purchase APR
17.49% (Variable)
Annual Fee
$0 intro for first year; $59 after that

Full Review

Curtis Arnold Editor-in-chief

Capital One® Spark® Miles for Business emulates the popular two miles reward from Capital One® Venture® Rewards Credit Card. However, with a dedicated small business credit card, you won't have to worry about separating your personal purchases from your business expenses on the same account. With a low annual fee ($0 intro for first year; $59 after that) and the ability for your whole team to earn miles (add employee cards at no additional cost), this card can give you something back for your business spending, as you can redeem rewards for travel, cash back, gift cards, and more.

A miles-based rewards program for business owners

With Capital One® Spark® Miles for Business, you earn two miles for every dollar you spend on net purchases, with no caps, and miles don’t expire. Log in to Capital One's website to see your balance climb in real time.

If you choose to redeem your miles for travel, there are two ways to go about it:

  • Book a trip through your favorite airline or discount travel website and pay with your Capital One Card. Log into your account at capitalone.com or call the Rewards Center and use their Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. This must be done within 90 days of when the travel purchase posts to your account.
  • For new travel reservations go online to capitalone.com or contact their Rewards Center to book a new flight, car rental or hotel and use your miles to pay for your travel.

How Capital One® Spark® Miles for Business compares to other business travel credit cards

Most travel rewards cards require loyalty to a specific airline or hotel chain. For example American Express, a Cardratings.com advertiser, offers the The Starwood Preferred Guest ® Business Credit Card from American Express which can help road warriors earn rewards that can be redeemed toward nights at Sheraton, Westin and W Hotels, among others. Likewise Citi, a CardRatings.com advertiser, offers the CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® where Card Members can earn rewards that can be redeemed for trips on American Airlines and its network of partner carriers. If you travel consistently enough to benefit from one vendor's loyalty rewards, you might prefer a traditional travel credit card.

On the other hand, frugal entrepreneurs often prefer to find the cheapest fare possible, even if that means spreading out travel purchases across multiple merchants. Depending on your travel itinerary, you could end up spending more on one carrier's frequent flier redemption fee than on an actual ticket at a discount airline. Capital One® Spark® Miles for Business frees you from tracking loyalty programs at dozens of airlines and websites. This card also maximizes your rewards by offering a consistent rate of 2 miles per dollar spent across every purchase made with the card instead of on just your travel expenses.

Good small-business credit card for frequent travelers

Frugal business owners and for companies with unpredictable travel schedules may stand to benefit most from this card. If you're not the kind of traveler that knows a first-class flight crew by their first names, Capital One® Spark® Miles for Business can make up in reward miles what you're missing in recognition. While on the road, Capital One's Travel and Emergency Assistance program can help you with a range of services including ticket replacement, legal or medical referrals and more. Likewise, the built-in auto rental insurance if you use your card to rent an eligible vehicle you are covered for collision, damage and loss. Visa's purchase security where eligible purchases are replaced, repaired, or reimbursed for the first 90 days may help your company save even more money with the Capital One® Spark® Miles for Business.

This card compared to other travel rewards cards

Points or Miles
2 miles/$1
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
Bonus Miles or Points
50,000 miles
once you spend $4,500 on purchases within 3 months of approval
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Purchase APR
17.49% (Variable)
N/A 
16.49%, 20.49% or 23.49%* Variable 
Annual Fee
$0 intro for first year; $59 after that
Introductory annual fee of $0 for the first year, then $195.
$89-Waived first year
CardRatings.com Editorial Staff

Capital One® Spark® Miles for Business details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Purchase APR
17.49% (Variable)
Annual Fee
$0 intro for first year; $59 after that

What Capital One says about this card

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

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Special offers
Currently available on the Capital One® Spark® Miles for Business
50,000 miles
Once you spend $4,500 on purchases within 3 months of approval

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Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good