Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
No annual fee
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
Free employee cards which also earn unlimited 1.5X miles from their purchases
Rates, fees & offers
Earn a one-time bonus of 20,000 miles - equal to $200 in travel - once you spend $3,000 on purchases within the first 3 months from account opening
0% on Purchases for 9 months
APR: 13.99% - 23.99% Variable APR
Penalty APR: 29.40%, Variable
Cash Advance APR: 26.99%, Variable
Foreign transaction fee
Recommended credit score
Editor's overall rating
Pros and cons
High rewards rate
No annual fee
No foreign transaction fee
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: Earn a one-time bonus of 20,000 miles - equal to $200 in travel - once you spend $3,000 on purchases within the first 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.