Capital One® Spark® Miles for Business Review

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.


  • 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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