Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Card details

  • 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

  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card

  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™

  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services

  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee

  • $0 intro annual fee for the first year; $95 after that

  • Free employee cards which also earn unlimited 2X miles from their purchases

Rates, fees & offers

  • Annual fee

    $0 intro for the first year, then $95

  • Rewards rate

    2x

  • Bonus offer

    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.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 20.99% Variable APR

    Penalty APR: 29.40%, Variable

    Cash Advance APR: 26.99%, Variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Capital One Spark Miles Credit Card

Capital One® Spark® Miles for Business

Annual Fee

$0 intro for the first year, then $95

Annual Fee

$95

Annual Fee

$0

Regular APR

20.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Paul Soucy

Rating details

4.9

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No foreign transaction fee

Cons
  • Has annual fee

  • High APR

If you're looking for a credit card for your business that offers a high, fixed rewards rate on all your spending, the Capital One® Spark® Miles for Business delivers. With every swipe, you'll score miles that are useable for nearly any travel purchase. Plus, there's no limit to the rewards you can earn. This is a rare quality among business cards, which usually put an annual cap on accelerated points, miles or cash-back earning.  Finally, it's worth noting that this card is a good choice for overseas business trips because it charges no foreign transaction fees. For more information, see NerdWallet's full review.