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Capital One® Spark® Miles for Business

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Our rating
Min. credit level: Good
Annual Fee: $0 intro for first year; $95 after that
Regular APR: 18.74% Variable

Capital One® Spark® Miles for Business

Our rating
Good Min. credit level
$0 intro for first year; $95 after that Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase

INTRODUCTORY BONUS

50,000 bonus miles for spending $5,000 in the first 3 months; 150,000 bonus miles for spending $50,000 in the first 6 months

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 18.74% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 31.15% Variable
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.74% Variable
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Capital One® Spark® Miles for Business

Highlights

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
ABOUT THE ISSUER

Capital One

Capital One has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

The Capital One® Spark® Miles for Business Card offers a reward of 5X miles per dollar for hotels and rental cars booked through Capital One Travel, along with 2X miles for every dollar spent on all other purchases.

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 your credit history and other factors.

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

Capital One has introduced a number 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