Capital One® Spark® Miles for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Spark Miles Business Credit Card

50K "miles"
One time bonus: 50,000 Capital One miles after $4.5K spend in 3 months
Click Here to Apply (this is NOT an affiliate link)

No Annual Fee First Year, Then $95

Note: Capital One Business cards DO count against Chase's 5/24 Rule

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20]

FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards are intended to be used to offset travel purchases. One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio and "miles" can be combined with other cards or other customers.

Card Type: Mastercard

Base

2X
(2.1%)

Travel

5X
(5.25%)

Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee

Overview

It's rare to find a business rewards card with great rewards for all spend. This one offers 2 miles per dollar everywhere. Miles are worth 1 cent each when redeemed for travel. Simply use the card to pay for any travel expenses, and then log onto your account and apply miles to offset your statement charges. In other words, the Capital One Spark Miles for Business card is essentially a 2% rewards card.

Things get more interesting now that Capital One Miles are transferable to airline miles. Since the transfer ratio is 2 to 1.5, you can think of this card as earning your choice of 2% everywhere OR 1.5 airline miles everywhere.

More information about Capital One transfer partners can be found here.

Additional benefits of this card include no foreign transaction fees, travel and emergency assistance services, purchase protections, and more.

Application Tips

Capital One Application Tips

6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

Hard inquiries usually get issued through all 3 credit bureaus

To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (Capital One Miles)

Capital One Venture Rewards Credit Card

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ⓘ $775
1st Yr Value Estimate

100K "Miles"
Earn 100K bonus miles when you spend $20K on purchases in the first 12 months from account opening, or still earn 50K miles if you spend $3K on purchases in the first 3 months

$95 Annual Fee

Recent better offer: None. This is the best we've seen in recent years.

Capital One Spark Miles Business Credit Card

➥More

ⓘ $485
1st Yr Value Estimate

50K "miles"
One time bonus: 50,000 Capital One miles after $4.5K spend in 3 months

No Annual Fee First Year, Then $95

Note: Capital One Business cards DO count against Chase's 5/24 Rule

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Capital One Venture One Credit Card