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Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business


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3.8/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!

  • Regular Purchase APR 13.74% - 21.74% (Variable)
  • Intro Purchase APR 0% on purchases for 9 months
  • Intro BT APR N/A
  • Annual Fees $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • 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 of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% 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 and miles don't expire
  • 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 1.5 Miles per $1 on every purchase, every day

Annual Fee $0

Purchase Grace Period 25 days

Expert Reviews

From the Editorial Team

The Capital One Spark Miles Select for Business Card is great for small companies and businesses. It comes with an amped-up mileage rewards program tied to an excellent card from a company that earns great reviews for customer service and card benefits. Fly on any airline with no blackout dates or seat restrictions, and you can redeem miles for gift cards, cash or other items. There is no limit to the amount of miles you can earn, miles don’t expire and there's no annual fee. 
Cardholders earn 1.5 miles per dollar on all purchases, which is pretty cool to not worry about rotating category purchases. You may use your card to book travel with any agency or web site, too. Whatever price you pay for the travel expense, add two zeros to the price and that's how many miles you need (If your ticket cost is $300, you need 30,000 miles).
Employee cards are no additional cost and you can set spending limits and track purchases. You can travel with ease knowing that you have $0 Fraud Liability if card is lost or stolen and as always, the Capital One Small Business Card Servicing Call Center is there to provide great customer service. 

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

  • 4.0

    Regular APR

  • 3.5

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.5/5

    Overall Rating

The Bottom Line

This is another great miles reward card that lets you rack up miles fast on all purchases and comes with a one-time bonus of 20,000 miles after making $3,000 in purchases within the first 3 months.

The Good

This card earns 1.5 miles per dollar on every purchase, no cap on miles earned, and they last for the life of the account. Card holder’s will also enjoy 0% APR for 9 months and pay no annual fee.

The Not so Good

The on-going APR is 13.74% - 21.74% (Variable), depending on your creditworthiness.

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


16 Total Ratings

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By: | Oct 7, 2014

For a business owner with great credit, who travels this would be the perfect card! I will not apply for a credit card that has an annual limit and this doesn't have one so to me that is a plus. 1.5 miles on every dollar for every purchase is a wonderful perk to someone who flies a lot, but would like a discount. Getting the one time 10,000mile bonus if you spend $3,000 is a tad steep in my opinion, but I'm sure that is the point. I don't know if that would be achievable for me, but for a business I'm sure it would be pretty easy!

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