Capital One® Spark® Miles Select for Business


For People with
Good Credit

Learn how to apply for this card.

The Capital One® Spark® Miles Select for Business offers some decent benefits, but the rewards program is a bit meager, offering only 1.5X miles for every $1 spent.

You can earn an introductory bonus of 20,000 miles for spending $3,000 in the first three months after account opening. This card has no annual fee or foreign transaction fees.

Capital One designed this card for people with excellent credit, but if your scores fall in the “good” range you probably have a decent chance of being approved, depending on other factors that affect your creditworthiness.

Capital One has introduced a variety of airline transfer partners to which you can transfer your miles, where you might find a better value for them.

Airline Partner Transfer Rate
Aeromexico Club Premier 2:1.5
Air Canada Aeroplan
2:1.5
Air France KLM Flying Blue
2:1.5
Alitalia MilleMiglia
2:1.5
Avianca LifeMiles
2:1.5
Cathay Pacific Asia Miles
2:1.5
Emirates Skywards
2:1
Etihad Guest
2:1.5
EVA Infinity MileageLands
2:1.5
Finnair Plus
2:1.5
Hainan Fortune Wings Club
2:1.5
JetBlue TrueBlue 2:1
Qantas Frequent Flyer
2:1.5
Qatar Privilege Club 2:1.5
Singapore KrisFlyer
2:1

 

For People with
Good Credit

Learn how to apply for this card.

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 1.5X miles for every $1 spent on all purchases
  • No limit to the amount of rewards you can earn
How to Redeem

Introductory Bonus

  • 20,000 miles for spending $3,000 in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24% - 23.24%
Intro Purchase APR 0% on purchases for for 9 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $2,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR 31.65% Variable
Late Fee Up to $39
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 15.24% - 23.24%
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 25.24% (Variable)
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Miles Transfer

    Transfer your miles to a variety of airline loyalty programs, including Aeromexico, Air Canada, and Air France.

  • 24/7 Visa Concierge Service

    Call for non-emergency help with a variety of tasks, like travel plans and making reservations.

  • Visa® SavingsEdge

    Save up to 15% at www.visasavingsedge.com

  • Visa Signature Luxury Hotel Collection

    Get benefits at over 900 hotel properties.

  • Fine Wine & Food

    Special dining and wine experiences.

  • Sports Experiences

    Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.

  • Shopping Discounts

    Discounts and special offers at premium retailers, from jewelry to apparel and electronics.

  • No Blackout Dates or Seat Restrictions

    On award redemptions.

Account Management

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile App

    Manage your account from your phone or tablet.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Downloadable Purchase Records

    Easily download purchase records in Quicken®, Quickbooks™, or Excel® formats.

  • Quarterly and Year-End Summary

    An itemized report of your spending to simplify tax time and accounting.

  • Free Employee Cards

    No fee for extra cards, which will earn you more rewards more quickly.

  • $0 Fraud Liability

    You will not be held responsible for unauthorized use of your card.

  • Purchase Protection

    Provides coverage against lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by up to 1 year, for warranties of 3 years or less.

  • Price Protection

    If you find an item you purchased at a lower price price, you can be reimbursed the difference.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

  • Travel Assistance Services

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Travel Accident Insurance

    Covers you and your family in the case of physical accidents.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Sean Messier
2019 List of “Major” Credit Card Companies and How to Get Their Cards
Sean Messier | Jul 15, 2019

Learn about what types of credit cards are considered "major" credit cards, and the difference between credit card issuers and credit card networks.

Read More
Brendan Harkness
Best High Limit Credit Cards: Spend More, Earn More, Do More
Brendan Harkness | Jul 10, 2019

Your credit limits depend on your credit scores and your income, but some cards are known for giving higher limits. See all the best high limit cards here.

Read More
Brendan Harkness
The Best Military Credit Cards: Low APRs, Waived Annual Fees, and More
Brendan Harkness | Jul 08, 2019

Members of the military have access to special credit card terms. Under the SCRA, interest rates are capped, and some issuers also waive annual fees.

Read More