Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

on Capital One's secure website

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

on Capital One's secure website

Card details

  • Earn 1.5 miles per $1 on every purchase, every day

  • 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

    1.5 miles

  • 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

  • Balance Transfer Fee

    None

  • Foreign Transaction Fee

    None

Recommended credit score

NerdWallet Review

By Claire Tsosie

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.

    User Reviews

    Rating Details

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