Capital One® Spark® Miles Select for Business Review

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Our Detailed Review of This Card

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Capital One® Spark® Miles Select for Business charges no annual fee or foreign transaction fees and earns cardholders 5X miles on hotel and car rentals through Capital One Travel. Additionally, you will earn 1.5X miles per every $1 spent on all other purchases. This means that all of your business purchases qualify to earn miles — you don’t have to worry about rotating categories or spending limits. Furthermore, new cardholders earn a bonus of 20,000 miles after spending $3,000 on purchases within the first 3 months of account opening. For users that prefer accruing miles to cash back, this is a great card. Users will also enjoy a 0% intro APR on purchases for 9 months, 14.74% - 22.74% (Variable) thereafter.

Rewards

  • 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.
  • 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.
  • Unlimited miles with no expiration date.
  • 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.
  • Foreign Transaction Fees: None.
  • Purchase APR: 0% on purchases for 9 months, then 14.74% - 22.74% (Variable).
  • Balance Transfer APR: 14.74% - 22.74% (Variable).
  • Balance Transfer Fee: N/A.
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