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3.8/5.0 from 26 Offer Ratings
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Foreign Transaction Fee
Balance Transfer Fee
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
The Capital One® Spark® Miles Select for Business is a good option for a $0 annual fee travel business card. There are numerous perks that you can take advantage of with this card, as well as an introductory APR of 0% on purchases for 9 months. Compared to other cards, this card has a lower rewards rate, but it’s reasonable since cards with higher rewards rates may have fees.
This card has a $0 annual fee, which can be hard to find with business cards. Couple that with great additional card features like shopping discounts, travel insurance, Visa Signature Luxury Hotels, and more — and your business has many ways to save money and take advantage of great perks. There is also an intro period (0% on purchases for 9 months) for your business to save money on interest payments.
The Capital One® Spark® Miles Select for Business has a below average rewards rate of 1.5 miles per $1 on every purchase, every day (we consider 2 miles per $1 ideal). You can find other travel business cards with higher rates, but they may come with an annual fee.
The Capital One® Spark® Miles Select for Business offers many additional benefits:
*Certain restrictions, limitations, and exclusions apply. For questions or assistance 24 hours a day, 365 days a year: call the toll-free number on the back of your Visa Signature Business card.
You’ll see the most benefit from the Capital One® Spark® Miles Select for Business when you use it for all spending. Earn 1.5 miles per $1 on every purchase, every day. Employee cards are a good way to earn additional miles on business purchases. Just be aware that as the business owner, you’re responsible for all charges made on the account, including employee spending.
This card is great to use when traveling for business. Not only will you earn a consistent rate on all purchases, but you benefit from no foreign transaction fee. This is equal to a 3 - 5 percent savings per transaction made abroad, typical of some cards that charge a foreign transaction fee.
To benefit from the signup bonus, complete the requirements: one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
The Capital One® Spark® Miles Select for Business offers a decent 1.5 miles per $1 on every purchase, every day.
You have two ways to redeem your miles for travel:
1) Redeem for past travel purchases using Purchase Eraser®: This allows you to redeem your miles and receive an account credit for the cost of your travel purchase. Redemptions must be made within 90 days from the date your travel purchase posts to your account. Typically you receive your credit within two to three business days after the redemption. Terms apply. 2) Book new travel reservations: Redeem for flights, car rentals or hotel stays by paying with your miles. Simply go to capitalone.com or contact the Rewards Center to book. The number of miles needed for travel redemption varies on the cost of the purchase. To find out how much a trip will cost in miles, multiply the cost of your travel purchase by 100. For example, if your travel purchase costs $200, you would multiply that by 100 to determine you need 20,000 miles to redeem. Terms apply.
You can also redeem your miles for cash in the form of a check or account credit, gift cards and more. Rates for these other redemption options vary and are subject to change without notice.
There is a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
The Capital One® Spark® Miles Select for Business and the Capital One® Spark® Miles for Business are both travel rewards cards from Capital One, but they differ in three key ways: annual fee, rewards rate, and intro period. The Capital One® Spark® Miles Select for Business has a $0 annual fee which is great for businesses who don’t want to pay a fee. If a fee isn’t a dealbreaker, the Capital One® Spark® Miles for Business might be a good fit with a reasonable annual fee of $0 intro for first year; $95 after that.
When it comes to how you earn miles, the Capital One® Spark® Miles for Business offers a higher rate than the Capital One® Spark® Miles Select for Business. Just because the rewards rate is higher doesn’t necessarily mean it’s the better card for your business. Look at other factors like the annual fee.
If your business wants to carry a balance, the Capital One® Spark® Miles Select for Business has 0% on purchases for 9 months. This allows you to save on interest payments. Meanwhile, the Capital One® Spark® Miles for Business lacks an intro period. Here’s a breakdown of the key features of each card.
|Capital One® Spark® Miles Select for Business||Capital One® Spark® Miles for Business|
|Annual Fee||$0||$0 intro for first year; $95 after that|
|Purchase Intro Rate||0% on purchases for 9 months||N/A|
|Balance Transfer Intro Rate||N/A||N/A|
|Balance Transfer Fee||N/A||N/A|
|Ongoing APR||14.49% - 22.49% (Variable)||18.49% (Variable)|
|Rewards||1.5 Miles per $1 on every purchase, every day||2 Miles per $1 on every purchase, every day|
|Sign Up Bonus||One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening||One-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening|
|Foreign Transaction Fee||None||None|
The Capital One® Spark® Miles Select for Business is a good card for businesses that want to earn miles and don’t want to pay an annual fee. You will earn a decent rewards rate on all purchases, and benefit from the many additional perks of this card.
1.5 Miles per $1 on every purchase, every day
26 Total Ratings