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Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business


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Your Rating:

3.9/5.0 from 23 Offer Ratings
Over the Past 60 Days!

(23) Over the Past 60 Days!

  • Regular Purchase APR 17.74% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $0 intro for first year; $59 after that
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • 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

Card Fees

Late Payment Fees Up to $39

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR 30.15% (Variable)

Minimum Interest Charge See Terms*

Ongoing Information

Rewards Cap No Cap

Rewards Rate 2 Miles per $1 on every purchase, every day

Annual Fee $0 intro for first year; $59 after that

Purchase Grace Period 25 days

Expert Reviews

From the Editorial Team

This is another great miles reward card from Capital One that allows you to rack up miles fast with double miles earned on every purchase you make. New cardmembers can earn a one-time 50,000 bonus miles after spending $4,500 in the first 3 months. This card combines convenient business management features with a reliable miles rewards program and a robust bonus option.

Like most business credit cards, you can place spending limits and track your employee's purchases. For the traveling business person, there are no special travel restrictions or blackout dates, and you can redeem miles for travel on any airline without expiration dates or caps on the number of miles you earn. You also get itemized spending reports to help manage your business and budget.

Expert Reviews of the Capital One® Spark® Miles for Business

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

With a solid mile-earnings program, no annual fee for the first year, and a fairly low interest rate, this is a great card for business travelers and their employees.

The Good

Earn double miles -two for every dollar spent- on every purchase, every day. You can also earn a one-time 50,000 bonus miles if you spend at least $4,500 during the first 3 months you have the card.

The Not so Good

The perks of this card are mainly related to air travel, but you can redeem miles for other items as well. You must have excellent/good credit to get approved and the annual fee is $59, waived the first year.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

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Offer Rating


23 Total Ratings

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