Capital One Spark Miles for Business

Capital One Spark Miles for Business
Dan's Rating: 3.8 / 5   
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Bonus Categories

All Categories

Card Features

Fraud Protection
No Foreign Transaction Fee
Travel Assistance
Travel Accident Insurance
Car Rental Coverage
Apple Pay
Android Pay

The Early Spend Bonus

  •  Earn 50,000 points when you spend $4,500 in the first 3 months.

Get These Perks

Pros & Cons

  Annual fee waived 1st year
  Free employee cards
  Simple rewards structure
  Generous sign-up bonus

  $95 annual fee

What You'll PayMore fee details 

Annual Fee
$0 the first year, $95 after that
Foreign Transaction Fees

Recommended Credit

Very Good - Exceptional Review

Written by Amy 2 years ago

Best For...
This flexible card earns your business unlimited 2X miles on all spending, making it simple to use.

Review of the Capital One Spark Miles for Business

The Capital One Spark Miles for Business earns your business unlimited 2X miles on all purchases.  Plus you’ll earn a one-time 50,000 miles bonus (equal to $500 in travel) once you spend $4,500 within the first 3 months.

If your business spends $19,000 your rewards would be 19k x 2X = 38,000 miles.  Compared to the no fee version of the card, Capital One Spark Miles Select for Business (19k x 1.5X=28,500 miles), this is 95,000 more miles earned, which is equal in value to the $95 annual fee.  So, in the long term, even after you’ve used up the sign-up bonus, this $95 difference justifies the $95 annual fee and any spending over $19,000 would yield even more rewards.

Pro Tip:

If your business spends under ,000 a year, consider the Capital One® Spark® Miles Select for Business, which doesn’t have an annual fee.

The Bottom Line
This all purpose travel rewards business card is an excellent choice for a small business that spends at least $19,000 a year on expenses that don't fit into any neat bonus categories.

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