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

14.99% - 23.74% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR on Purchases for 15 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.