Capital One Spark Miles for Business

Dan's Rating: 3.8 / 5   Add Your Review 

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Card Features

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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

Credit Score Range

350 - 629
630 - 689
690 - 719
720 - 850 Review

Written by Amy 3 weeks ago

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.

Reviews by the staff are the result of independent research by our editorial team, while user reviews and questions are contributions from website users who are not affiliated with in any way. Banks, issuers, and credit card companies are not responsible for any user content posted on the site, nor do they endorse or guarantee any posted comments, questions, or reviews. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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