Last Updated: 05/14/2026
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
Starting at 24.49%(Verified 02/20/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 24.49%(Verified 02/20/2026)
Disclaimer popup with additional information
Annual Fee
$95
Credit Score Range
700 - 850
Number of Reviews
Capital One Spark Miles for Business Review
This is a rewards card issued by Capital One. If you're wondering whether Capital One Spark Miles for Business is the right card for you, read on.
Key Takeaways
- 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 24.49%
- $0 intro annual fee for the first year. Capital One Spark Miles for Business gives you the chance to have the card for a year without paying the $95 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Capital One Spark Miles for Business
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR starting at 24.49% . The card has a variable balance transfer APR starting at 24.49% .
It also has a variable cash advance APR that ranges from 30.49% up to 30.99% . Note that late payments are subject to an APR of 32.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | Starting at 24.49% |
| Balance Transfer APR | Starting at 24.49% |
| Cash Advance APR | 30.49% - 30.99% |
| Penalty APR | 32.9% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95 .
- A late payment penalty of up to $39 .
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, Capital One Spark Miles for Business offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Yes. 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Capital One Spark Miles for Business
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Business Credit Cards from Capital One
Purchase APR
17.24% - 23.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 750
300
850
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
Rating not yet determined
Purchase APR
16.74% - 22.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74% - 22.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 750
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$395
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Capital One Spark Miles for Business Community Reviews
Would you recommend Capital One Spark Miles for Business to your friends?
BS
Bamidele S.
Nov 19, 2021
May or may not recommend
Sincerity speaking capital one is good,reliable secure and easy to used for credibility.
KR
Kye R.
Nov 10, 2021
May or may not recommend
I am a manager at a small company and we decided to get a Capital One card for business expenses. I was worried it would be more work than it was worth, but it made the financial end of our company so much easier to track. It is a travel card, but I use it for more than just that because of the cash back rewards programs offered.
OL
Oyalola L.
Oct 29, 2020
May or may not recommend
Getting this card was a dream! I mean - rewards for spending, no annual fee, no foreign transaction fee. I was able to travel a lot on business without worrying about charges incurred. This card practically saved my life! The late payment fee though… It’s exactly why I make my payment on time.
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Ashely D.
Oct 11, 2020
May or may not recommend
I absolutely love my CO Spark business credit card. I've had mines for about 1 year now and it definitely helps to cover my small business's expenses. While you do need a 700 credit score in order to qualify, it's definitely worth it - especially if you are a business owner.
U
Anonymous
Mar 22, 2019
May or may not recommend
If you have a sizable amount of business expenses going through your credit card the reward structure on this card allows you to rack up a ton of points quickly. The Capital One site and app are also pretty good. The structure of the rewards program is also pretty great in that you can either use their booking tools or just purchase anywhere and easily request a statement credit for ...Show More
U
Anonymous
Aug 2, 2015
May or may not recommend
If you travel on business, you need to have this card. The rewards program is excellent and simple to use. You can book tickets with no blackout dates and travel with no foreign transaction fees. The annual fee is reasonable and it's waived the first year. Just a good card.
Showing 6 of 6 reviews
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