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 2 miles per $1 on every purchase. Perks include no annual fee for the first year (it's $95 per year after that), no foreign transaction fees and a huge limited-time bonus of up to 200,000 miles. You'll earn 50,000 miles after spending $5,000 in your first 3 months with the card and another 150,000 miles after spending $50,000 in the first 6 months.


  • Unlimited miles with no expiration date.
  • Earn 2 miles per dollar on all purchases.
  • Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.
  • 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: 18.74% (Variable).
  • Balance Transfer APR: 18.74% (Variable).
  • Balance Transfer Fee: N/A.

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