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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 (then, 15.24% - 23.24% (Variable)).
  • 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
Regular APR
15.24% - 23.24% (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® might be a better match; (Citi is a CardRatings.com advertiser.) Yes, this card charges an annual fee ($99, waived for the first 12 months), but you have the potential for higher rewards on certain spending. Earn two AAdvantage® miles for every $1 spent on eligible American Airlines® purchases. You can also earn two AAdvantage® miles per $1 spent on purchases with telecommunications merchants, cable and satellite providers as well as with car rental merchants and at gas stations. Earn one AAdvantage® mile per $1 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 29, 2019

This card compared to other travel rewards cards

Rewards
1.5 Miles per $1 on every purchase, every day.
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
20,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
15.24% - 23.24% (Variable)
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$0
$95
$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
Regular APR
15.24% - 23.24% (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; 15.24% - 23.24% 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 The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good