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Capital One Spark Miles for Business Card: Simple Travel Rewards

Capital One Spark Miles for Business review
  • With the Capital One Spark Miles for Business, you can earn 2x miles for all your business purchases and 5x miles when you book travel through Capital One Travel.
  • What we think: The Spark Miles for Business card is a good, low-annual-fee travel credit card for small businesses. We like its simple reward structure and flexible redemption options, but frequent travelers or big spenders may find more value elsewhere.
  • After the first year, this card comes with a $95 annual fee.
  • Flexible redemption methods let you redeem miles for travel, gift cards, cash back or online shopping.
  • You need good or excellent credit to get approved for this card.

Capital One offers two Spark Miles business credit cards: The Capital One Spark 2x miles credit card and the Spark 1.5x Miles Select credit card. This review focuses on the 2x miles credit card, Capital One Spark Miles for Business. 

Within this review, we will explore: 

  • How you can earn and use rewards with this card
  • How to apply for this card
  • How this card stacks up to other similar business cards on the market


  • High rewards rate
  • Free employee cards
  • Two complimentary visits each year to Capital One Lounges or Plaza Premium Lounges


  • Has an annual fee after the first year
  • High APR
  • No intro APR
Capital One Spark Miles for Business
Key Information
Earn 5X miles on all hotel and car rental purchases through Capital One Travel and 2X miles on all other purchases. $95 annual fee after the first year.

Is the Capital One Spark Miles for Business credit card worth it?

The Capital One Spark Miles for Business is a good choice for small businesses, as it provides flexible and convenient account management. This card also offers a variety of benefits and makes it easy to earn travel rewards. 

Pros and cons

  • 2x miles on everyday business purchases
  • 5x miles on hotel stays and car rentals booked through Capital One Travel
  • Flexible redemption models and options to transfer miles to other programs
  • Employee credit cards with no additional fees
  • Strong business account management tools
  • Annual fee of $95 after the first year
  • Doesn’t offer as many rewards options as some other business rewards cards
  • No introductory APR offer for purchases or balance transfers
  • You typically need good or excellent credit to get approved for this card

Learn more about Capital One Spark Miles for Business

Capital One Spark Miles for Business rewards

The Capital One Spark 2x Miles card for business provides several opportunities for earning miles.

Welcome bonus

This rewards credit card offers a welcome bonus for new Capital One cardholders. You can earn 50,000 bonus miles when you spend $4,500 in the first three months on purchases. That’s just $1,500 per month, so many businesses can easily achieve the spending target by using their Capital One Spark Miles card to cover everyday expenses like supplies, fuel, or even cell phone or internet service.

Earning rewards

You also earn Spark Miles rewards at a flat rate on purchases in specific categories. That means for every dollar you spend, you earn a specific amount of miles. 

You earn 2x miles on every purchase and 5x miles when you use this card to book hotel stays or car rentals through Capital One Travel. 

To understand how these rewards add up, consider some hypothetical examples:

You can maximize rewards earnings by getting employee credit cards for your account. When you use those cards to help manage employee expenses, you get double perks—you avoid the hassle of reimbursement processes while earning the same 2x miles rewards on employee spending.

Redeeming rewards

You can redeem your Spark Miles on travel, including hotels, flights and vacation packages. You don’t have to redeem for business travel, so you can use your rewards to fund personal getaways. 

Typically, you get the biggest value for Capital One Spark Miles when you redeem them for travel. Redeeming your miles through Capital One Travel typically nets you a value of around 1 cent per mile. So, if you have 100,000 miles, you can get $1,000 worth of travel.

You can get more value per mile when you redeem through various travel partners, especially if you can stack your Capital One miles on top of a loyalty rewards program you already belong to. 

You can transfer your Capital One miles to the following partners:

You can also redeem your miles for non-travel rewards, including:

If you aren’t sure how you want to use your miles, you have plenty of time to decide. They don’t expire as long as your account is open and in good standing. 

Capital One Spark Miles for Business benefits

This travel rewards credit card for businesses offers plenty of perks beyond earning and redeeming miles. 

Small-business benefits

The Capital One Spark Miles business credit card is designed for business use and includes perks that make it easy to manage expense processes and your account. 

Some of those benefits include:

Travel benefits

When you use this credit card to pay for business travel, you and your employees benefit from travel perks such as:

Purchase and account protection benefits

Capital One Spark business card benefits also include perks related to spending and account protection, including:

Capital One Spark Miles for Business fees, rates & limit

Before you apply for this card and start earning Capital One Spark business miles, ensure you know what the costs of account ownership are.


For the first year, you won’t pay an annual fee with the Capital One Spark Miles for Business card. However, after that, you pay $95 per year, so it’s a good idea to ensure you’re earning and redeeming enough miles to make that expense worth it.

There aren’t fees for transferring a balance to this card, but you will pay a fee for taking a cash advance. That fee is $5 or 5% of the cash advance amount, whichever is more. There are no foreign transaction fees with this card, which helps you save a little on business travel expenses if your team needs to travel internationally.

If you’re late with a statement payment, you could pay up to $39 in late fees.

Interest rates

While it’s always best to pay your statement off every month to avoid interest expenses, that isn’t always possible.

Here’s what type of interest you might accrue if you carry a balance forward with the Spark Miles card:

Credit limit

The credit limit you’re approved for depends on your personal and business credit score as well as other financial factors. Cardholders have reported being approved for credit limits ranging from $1,000 to $15,000 or more. 

How the Capital One Spark Miles for Business card compares

The Capital One Spark Miles for Business credit card is a strong contender in the market of basic business credit cards. The annual fee and interest rates are competitive, and you get some nice rewards and business account management perks. 

However, if travel is a big part of your business — meaning you or your employees travel for company purposes more than four or five times each year — a higher-end business travel rewards card may be a better credit card option for you. These typically come with higher annual fees but offer thousands of dollars in travel perks and better reward structures. 

Capital One Spark Miles for Business vs. The Blue Business® Plus Credit Card from American Express

If you want some other card benefits and don’t mind a limitation on rewards earnings, The Blue Business® Plus Credit Card from American Express might be a better choice.

Here are some of the ways this card differs from the Capital One Spark 2x mile card for businesses:

Read our full Amex Blue Business Plus card review

Is the Capital One Spark Miles for Business card right for me?

Due to the potential for a relatively low starting credit limit, this card is best for small businesses that don’t spend hundreds of thousands every month. 

It would also suit businesses that engage in some type of travel or business owners who want to earn miles for personal travel. 

If you’re not convinced this Capital One business credit card is right for you, check out our reviews for Chase business cards and Amex business cards to see if you find a better fit.

How do I apply for the Capital One Spark Miles for Business card?

You can learn more about the Capital One Spark Miles for Business and apply online with Capital One. 

You’ll need to supply your full name, personal contact information, and some information about your business. Capital One also requires that you provide proof of identity — you can usually do that by uploading an image of your driver’s license.

This card requires good to excellent credit for approval. Typically, you’ll need a credit score of 670 or higher to get approved, but it’s not impossible to get approved if your score is slightly lower if your business and personal finances are otherwise strong.

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FAQ: Capital One Spark Miles for Business card

What are the best Capital One Spark Miles for Business card benefits?

This card offers numerous benefits, including 2x and 5x miles on spending and a flexible rewards redemption structure. You also get a $100 credit for TSA Precheck or Global Entry fees and access to perks that enhance the enjoyment of travel.

How much are Capital One Spark miles worth?

Capital One Spark Miles are worth 0.5 to 1.5 cents on average, depending on how you redeem them. If you transfer these miles to another travel loyalty program, they might be worth much more.

Are there blackout dates for Capital One Spark miles redemption?

No, there are no blackout dates when redeeming miles through Capital One’s travel portal.

Can I get a cash advance with the Capital One Spark Miles for Business?

Yes, you can use this card to get a cash advance at ATMs, but you will pay a higher interest rate and fees on that transaction.

How can I get a Capital One Spark Miles for Business virtual credit card?

If you have this credit card, you can sign up for the Eno virtual assistant in your online account to get a virtual credit card number.

Does Capital One Spark Miles for Business Card have travel insurance?

This card includes some travel insurance options. However, it does not include all the coverage that you might get with other Capital One cards. Travel insurance options vary across Capital One products, so always read the details of your card benefits.

Is the Capital One Spark Miles for Business a Visa or Mastercard?

The Spark Miles for Business card is part of the Mastercard network, not Visa.

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

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