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

Capital One® Spark® Miles Select for Business Review

Pros & Cons

  • This is one of the select few business travel rewards cards that carry no annual fee
  • The flexible rewards program is great for those who prefer not to be tied to any one brand
  • Sign up now and receive a 0% intro APR on purchases for nine months.
  • If you plan to spend $1,000 or more monthly, Capital One® Spark®  Miles for Business may be a better choice to earn greater rewards.

Top Features

Rewards
1.5 Miles per $1 on every purchase, every day.
Bonus Rewards
20,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Purchase APR
14.24% - 22.24% (Variable)
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Entrepreneurs don't travel like executives. When there's no corporate travel department covering an airline credit card's annual fee or paying for airport lounge access, business travel looks more like a slapdash exercise in vacation planning than a seamless experience. That's why Capital One® Spark® Miles Select for Business card will appeal to frugal bootstrappers. It's a rare travel rewards card with no annual fee and the potential to earn 1.5 miles per dollar spent on every purchase for your business, all year long. These miles don’t expire for the life of the account and there are no categories to limit where or what you buy.

No annual fee

Rewards credit cards usually tack on annual fees to cover the costs of cash back and rewards trips. Companies that spend tens of thousands of dollars a year can usually earn enough rewards points or miles to dwarf a card's annual fee, but start-up businesses and other frugal companies may not always have that ability. That's why we think Capital One® Spark® Miles Select for Business will appeal to business owners who want rewards without having to pay annual fees. In addition to no annual fee, another travel-related perk that comes with this card is no foreign transaction fee.

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

If you’re loyal to American Airlines, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® (Citi is a CardRatings.com advertiser) might be a better match. Yes, this card charges an annual fee ($95, waived for the first 12 months), but you have the potential for higher rewards on certain spending. Earn two AAdvantage® miles for every dollar spent on eligible American Airlines® purchases. You can also earn two AAdvantage® miles per dollar spent on purchases at telecommunications, car rental merchants and at gas stations. Earn one AAdvantage® mile per dollar spent on other purchases.

Spend more on gas than you do on flights? You may find the Ink Business CashSM Credit Card offers the better deal if your business travel involves road trips; you can earn 5 percent cash back on the first $25,000 in combined purchases at office supply stores and on cellular phone, landline, Internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. However, if you spend more time at the airport than behind the wheel, you may prefer the simplicity of Capital One.

Small-business credit card for occasional travelers

Like most rewards credit cards, Capital One® Spark® Miles Select for Business carries a middle-of-the-road variable purchase APR. The card currently offers a zero-percent introductory APR on purchases for nine months, with a variable purchase APR after that, depending on creditworthiness. In other words, you won't want to float more than an occasional balance. Instead, use this card to streamline your accounts payable process. Running as much of your company's spending through this card as possible can shrink what you spend on airfare, hotels, and car rentals.

This card's other member benefits can help you save even more money. For instance, your team no longer has to worry about accepting auto collision damage waiver at the car rental counter; Capital One offers access to Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss.

This page was last updated on January 23, 2018

This card compared to other travel rewards cards

Rewards
1.5 Miles per $1 on every purchase, every day.
2 Miles per dollar on every purchase, every day.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Bonus Rewards
20,000 Miles once you spend $3,000 on purchases within 3 months from account opening
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Purchase APR
14.24% - 22.24% (Variable)
14.24% - 24.24% (Variable) 
17.24% - 24.24% Variable 
Annual Fee
$0
$0 intro for first year; $95 after that
$0 Intro for the First Year. Then $95
CardRatings.com Editorial Staff

Capital One® Spark® Miles Select for Business details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
0% on purchases
Period:
for 9 months
Purchase APR
14.24% - 22.24% (Variable)
Annual Fee
$0

What Capital One says about this card

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.24%-22.24% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

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Highlighted offers
Currently available on the Capital One® Spark® Miles Select for Business
20,000 Miles
Once you spend $3,000 on purchases within 3 months from account opening

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Apply online for Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good