Capital One® Spark® Miles Select for Business
on Capital One's website
Capital One® Spark® Miles Select for Business
Card details
Earn 1.5 miles per $1 on every purchase
Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% 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
Fly on any airline, anytime, with no blackout dates or seat restrictions
Rates, fees & offers
Annual fee
$0
Rewards rate
1.5x
Bonus offer
Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
Intro APR
0% on Purchases for 9 months
Ongoing APR
APR: 14.74% - 22.74% Variable APR
Penalty APR: 31.15%, Variable
Cash Advance APR: 24.74%, Variable
Foreign transaction fee
None
Recommended credit score
NerdWallet review
Rating details
3.8
Editor's overall rating
Pros and cons
Pros
High rewards rate
No annual fee
No foreign transaction fee
Cons
For small business owners, the Capital One® Spark® Miles Select for Business offers long-term value and extreme flexibility at a minimal expense. You’ll earn 1.5 miles per dollar on every purchase, a relatively high rewards rate for a card with an annual fee of $0. It also comes with a decent sign-up bonus: Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
Miles can be redeemed as travel statement credits with Capital One’s Purchase Eraser tool, or through Capital One’s own travel booking site. This makes it easier to book business trips or vacations during peak travel season, when frequent flier seats may be hard to come by. You can earn even more rewards if you get extra cards, at no extra cost, to issue to your employees.
If you’re looking for a card that offers a huge sign-up bonus, you might be better off with a different offer. But if you want flexible travel rewards at a low cost, this could be the best pick.
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