Capital One® Spark® Miles for Business Review

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Our Detailed Review of This Card

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Capital One® Spark® Miles for Business is a great card for businesses that want to earn a generous miles rate on all purchases. That’s because, with this card, you’ll earn 2 miles per $1 on every purchase. On top of that, you’ll earn an outstanding 50,000-mile bonus once you spend $4,500 on purchases within 3 months from account opening. Those miles can be used on any airline, with no seat restrictions or blackout dates. You’ll also pay no annual fee for the first year (it’s $95 per year after that) and no foreign transaction fees. Since many credit cards charge a 3% to 5% foreign transaction fee on all purchases outside the U.S., avoiding that fee will save your business a lot of money on international travel or purchases.

Capital One® Spark® Miles for Business’s combination of a hefty bonus and an impressive miles reward rate are hard beat. However, if you’re looking for a similar business card with no annual fee, take a look at its sister card Capital One® Spark® Miles Select for Business.

Rewards

  • Unlimited miles with no expiration date.
  • Earn 2 miles per dollar on all purchases.
  • Plus, earn a 50,000-mile bonus once you spend $4,500 on purchases within 3 months from account opening.
  • Fly on any airline, anytime, with no blackout dates or seat restrictions.

Redeem Rewards

  • Redeem rewards for travel, cash, gift cards, brand-name merchandise and more.
  • Redeem for travel 2 ways; either by calling Capital One Rewards Center or by going online to redeem your miles and get reimbursed for your purchase.
  • To determine the number of miles you’ll need for your travel, multiply the cost of your travel purchases by 100. (i.e, if your ticket costs $200, you’d multiply that by 100 to determine you need 20,000 miles to redeem.)
  • Redemption rates for cash, gift cards, brand-name merchandise and more vary and are subject to change without notice.

Fees and APR

  • Annual Fee: $0 intro for first year; $95 after that.
  • Foreign Transaction Fees: None.
  • Purchase APR: 19.24% (Variable).
  • Balance Transfer APR: 19.24% (Variable).
  • Balance Transfer Fee: N/A.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.