Capital One® Spark® Miles for Business


For People with
Good Credit

The Capital One® Spark® Miles for Business Card offers a reward of 2X miles for every $1 spent on all purchases, Visa Signature benefits, and a very generous introductory bonus.

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.

Cardholders can earn 50,000 bonus miles for spending $5,000 in the first three months, plus an additional bonus of 150,000 miles for spending $50,000 in the first six months.

This card has a $95 annual fee, which is waived for the first year.

Capital One has introduced a set of 14 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
Qantas Frequent Flyer
2:1.5
Qatar Privilege Club 2:1.5
Singapore KrisFlyer
2:1

 

Card Quick Facts

Card Quick Facts

  • Earn 2 miles per $1 on every purchase, every day
  • Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer
  • Miles won’t expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There’s no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

For People with
Good Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 2X miles for every $1 spent on all purchases
  • No limit to the amount of miles you can earn
How to Redeem

Introductory Bonus

  • 50,000 miles for spending $5,000 in the first 3 months; 150,000 miles for spending $50,000 in the first 6 months (limited time offer)
Card Stats

Card Stats

Annual Fee $95, $0 first year
Additional Cards Annual Fee -
Regular Purchase APR 19.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
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 19.24% Variable
Balance Transfer Fee None
Cash Advances

Cash Advances

Cash Advance APR 25.24% Variable
Cash Advance Fee 3%, $10 minimum

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.

  • Reports to Business Credit Bureaus

    Capital One business cards report your card activity to Dun & Bradstreet, Experian, and Small Business Financial Exchange.

  • 24/7 Concierge Service

    Call for non-emergency help with a variety of tasks, like making travel arrangements and finding hard-to-find gifts.

  • Visa® SavingsEdge

    Save up to 15% at www.visasavingsedge.com.

  • Visa Signature Luxury Hotel Collection

    Get discounts and benefits at over 900 hotel properties.

  • Fine Wine & Food

    Special dining events and wine tasting at Sonoma County wineries.

  • 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.

Business

  • Quarterly and Year-End Summary

    Get itemized spending reports to help simplify accounting and taxes.

  • Downloadable Purchase Records

    Easily download your records in a variety of formats, including QuickBooks™ and Excel®.

  • Free Employee Cards

    And earn rewards when your employees spend with their cards.

  • Spark Business Customer Service Representatives

    Speak with specially trained reps whenever you’d like for help with any questions you have.

Account Management

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile App

    Manage your account from your phone.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • $0 Liability Protection

    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 at no charge.

  • Price Protection

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

  • Travel and Emergency Assistance

    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.

  • Roadside Assistance Hotline

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

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