Capital One® Spark® Miles for Business Review 2022

Spark Miles are miles earned by using your business credit card, and then traded in for cash or rewards. As a Capital One® customer you can earn two tiers of Spark Miles when you use your bank card: 5% back on all purchases at U.S. supermarkets; 4% back on all other spending; 10 bonus miles per dollar spent if paying with the debit/credit terminal at participating locations that accept Visa Checkout

The “capital one spark miles select for business” is a credit card that offers rewards on every purchase. They have an annual fee of $0 and offer up to 10x the miles on qualifying purchases.

The Capital One® Spark® Business Miles credit card features a low annual fee and delivers limitless 2x miles on all business-related purchases. These points may be used for flights, hotels, and vacation packages. You may also transfer miles to any of the travel partners with this small business credit card.

Capital One® Spark® Business Miles

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Every swipe earns you 2x miles.

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on Capital One® Spark® Business Miles’s secure website.

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APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

Annual Fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

• After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
• 2 kilometers for every $1 invested
• Employee cards may be distributed for free.

Pros

• There are no costs for international transactions.
• Credit for TSA Pre® or Global Entry application fees

Cons

• After the first year, you’ll have to pay an annual charge.
• Doesn’t provide interest-free credit.

• Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
• Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
• On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months. 
• Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

How Do We Assess Business Travel Rewards Credit Cards?

When grading fixed-rate travel rewards business credit cards like Capital One® Spark® Business Miles, we weigh ongoing rewards the heaviest. We rate introductory rewards as the second-biggest factor and also consider the annual fee, introductory and ongoing annual percentage rates (APRs), and additional features.

Who Capital One® Spark® Business Miles Is Best For

• Owners who want a fixed-rate rewards card: With Capital One® Spark® Business Miles, you will earn unlimited 2x miles on all spending, with a low annual fee. This makes it an excellent choice for business owners who don’t want to keep track of bonus category spending.
• Owners who travel for business may spend their miles on flights, hotels, vacation packages, and more with this Capital One travel rewards card. Your points may also be transferred to one of Capital One’s 15+ travel partners.

Capital One® Spark® Business Miles Fees

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 20.99 percent variable, which fluctuates with the prime rate.
• The annual charge is $95, however the first year is free.
• There is no charge for transferring your balance.
• Fees for international transactions: none
• Cash advance fee: $10 or 3%, whichever is greater—cash advance APR is changeable at 26.99 percent.

Capital One® Spark® Business Miles Rewards

• With no limitations or seat restrictions, and no minimum miles to redeem, you may earn unlimited 2x miles on every transaction.

Offer of Welcome: Spend $4,500 on purchases during the first three months after creating an account to get 50,000 bonus miles.

You may use your points for new travel bookings as well as previous travel purchases made within 90 days of the purchase date. You may also get cash back in the form of a statement credit, a cheque in the mail, or gift cards at restaurants, shopping, and hotels when you redeem your points. Automatic redemption is also offered at a certain period each calendar year or when a certain threshold is met.

Tip: If you move to one of Capital One’s partners, your benefits may be worth more in terms of free travel. You may transfer your miles to Air Canada, JetBlue, AeroMexico, Emirates Skywards, Qantas, and Qatar Airways, among others.

Capital One® Spark® Business Miles Features

Security Purchase

Your purchased items will be protected against theft or damage within the first 90 days of your purchase. To be eligible, you must charge the entire transaction to your Capital One® Spark® Business Miles card. This coverage is limited to $10,000 per incident and $50,000 per year. Some purchases, such as animals, living plants, computer software, collectible items, jewelry, medical equipment, perishables, and pre-owned items, are not included with this coverage.

Protection under the Extended Warranty

For warranties of three years or less, Capital One will extend the term of the original manufacturer’s guarantee up to one year, up to a maximum of $10,000 per item and $50,000 per year. Computer software, medical equipment, real estate, pre-owned things, motorized vehicles, leased items, and anything acquired for resale are not covered by this insurance.

Insurance for Travel Accidents

The Insurance for Travel Accidents is available through Visa® Signature Business Benefits and offers up to $250,000 of coverage for you, your spouse, and unmarried dependent children. It covers accidental loss of life, limb, sight, speech, or hearing while entering, exiting, or riding as a passenger in any licensed common carrier. It does not cover loss resulting from emotional trauma, mental or physical illness, suicide, intentionally self-inflicted injuries, war, and travel between the insured person’s residence and regular place of employment.

Reimbursement for Lost Baggage

The lost luggage reimbursement is part of Visa® Signature Business Benefits, which protects your checked luggage or carry-on baggage against theft or misdirection by the common carrier. Capital One® Spark® Business Miles lost luggage reimbursement covers the value of your checked or carry-on baggage up to $3,000 per trip. New York residents will only have coverage up to $2,000.

Collision Damage Waiver for Car Rentals

Capital One® Spark® Business Miles protects you from rental vehicle damage due to collision or theft. This is primary coverage as long as the car rental is for business purposes, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Capital One may reimburse you up to the cash value of the car. Rentals of 31 consecutive days or less are eligible.

Services for travel and emergency assistance

Capital One® Spark® Business Miles account holders will have access to a 24-hour hotline that offers travel, emergency, medical, and legal assistance. Any immediate family members or business associates can also benefit from this perk. The number is free to call, but you are responsible for any fees assessed by third-party service providers.

Plan for Price Protection

Capital One’s Plan for Price Protection can help you save money on products you’ve purchased using your Capital One® Spark® Business Miles card. If you see a previously purchased item listed at a lower price in another merchant’s printed advertisement within 60 days, you can receive a refund of the difference from Capital One. The refund amount is limited to $500 per item and $2,500 per account.

Account & Business Management

Payment flexibility (you may choose your preferred monthly due date) and the opportunity to set up automated payments are among the account and company management tools offered by Capital One. It also includes transaction data, such as merchant information when available, and recurring transactions, which allows you to see a list of merchants that charge your business card on a monthly basis. To make budgeting and tax time easier, Capital One lets you download your purchase records and gives an itemized summary of your yearly expenditures.

Pros & Cons of Capital One® Spark® Business Miles

Pros of Capital One® Spark® Business Miles

• There are no costs for international transactions.: Capital One® Spark® Business Miles is an excellent option for business owners who frequently travel because it doesn’t charge foreign transaction fees for purchases made outside of the United States.
• Credit for TSA Pre® or Global Entry application fees: Another benefit of Capital One® Spark® Business Miles is that it offers up to $100 credit for Global Entry or TSA Pre✓® when you use your credit card to pay for the application fee.

Cons of Capital One® Spark® Business Miles

• After the first year, you’ll have to pay an annual charge.: Capital One® Spark® Business Miles offers zero annual fee only for the first year; however, you will be charged with $95 annual fee after 12 months. There are other business credit cards that allow you to earn rewards with no annual fee.
• Doesn’t provide interest-free credit.: Unlike other business credit cards that offer 0% introductory APR, Capital One® Spark® Business Miles Doesn’t provide interest-free credit. even for a short promotional period. You need to pay your balance in full every month to avoid interest charges.

Capital One® Spark® Business Miles Alternatives

The American Express Business Platinum Card® is a credit card offered by American Express.

American Express’s Business Platinum Card®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

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on American Express’s Business Platinum Card®’s secure website.

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Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

The The American Express Business Platinum Card® is a credit card offered by American Express. is a cash card and will be an excellent option if you can pay your balance in full every month. It allows you to earn premium rewards on flights and prepaid hotels on amextravel.com. This business credit card is also great for business owners who often travel and want to enjoy luxury travel perks.

Credit Card Chase Ink Business PreferredSM

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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Chase’s Protected Website

Compare with

APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Protection protects your new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

Business owners who have significant expenses on travel, as well as those who spend for advertising on social media sites, should consider getting a Credit Card Chase Ink Business PreferredSM to maximize their rewards. Chase Ink Business PreferredSM is also great for frequent travelers because it allows you to boost the value of reward points when you redeem for travel through Chase Ultimate Rewards®.

The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.

The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your incentives in the two areas where you spend the most

Apply Now

on The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express.’s secure website.

Compare with

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a The yearly price is rather high. of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll pay a The yearly price is rather high. of $295
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

The The American Express® Business Gold Card is a credit card issued by American Express. is a credit card issued by American Express. allows you to maximize your rewards on the two where your business spends the most. This business credit card is also a great option if you can spend at least $10,000 on eligible purchases within the first three months of card membership as it offers 70,000 rewards points as an introductory bonus.

Conclusion

The Capital One® Spark® Business Miles is best for business owners who prefer to earn fixed-rate, miles-based rewards for all business-related purchases at a low annual fee. This card may be an ideal fit if you travel for business often. If this isn’t what you’re looking for, check out our list of the top credit cards to find other cards that may be a better fit.

The “credit score needed for capital one spark business card” is a review of Capital One® Spark® Miles for Business, which offers an attractive rewards program.

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