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- Regular Purchase APR 25.24% (Variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro for first year; $95 after that
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Regular Purchase APR 25.24% (Variable)
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $0 intro for first year; $95 after that
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
Balance transfers are not available on Spark Miles
Penalty APR
33.65% (Variable)
Ongoing Information
Rewards Rate
2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Annual Fee
$0 intro for first year; $95 after that
Expert Reviews
From the CompareCards.com Editorial Team, updated on Apr 15, 2025
This is another great miles reward card from Capital One that allows you to rack up miles fast with major miles earned on every purchase you make. New cardmembers can earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. The Capital One Spark Miles for Business 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 instantly for a wide range of travel-related purchases, from flights and hotels to ride-sharing services.
Expert Reviews of Capital One Spark Miles for Business
The Bottom Line
With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.
The Good
Customers earn 2 miles per $1 on every purchase, everywhere; 5 miles per dollar on hotels, vacation rentals and rental cars booked through capital one's travel booking site. You can also earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
The Not so Good
Based on our research, you'll need excellent-good credit. There is also an annual fee of $0 intro for first year; $95 after that.
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
OFFER RATING
/5.0
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Highlights
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Highlights
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