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Spark Miles From Capital One

in Business Credit Cards

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Spark Miles From Capital One

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in Business Credit Cards

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Overview

Who is Spark Miles From Capital One Designed For?

The Spark Miles From Capital One card is designed for business owners with excellent credit who frequently travel for business and would like to earn travel rewards on their purchases.

What Are the Rates for Spark Miles From Capital One?

The rate for purchases and transfers is 17.99% APR, which is competitive for a business travel card. The cash advance rate is 23.99% APR and the penalty rate is 30.40% APR.

What Are the Fees for Spark Miles From Capital One?

The Spark Miles credit card has a $59 annual fee, but it's waived the first year. The card has a 3% cash advance fee with a minimum fee of $10 and up to a $39 late payment fee, but that's it. There are no balance-transfer fees, foreign transaction fees, returned balance fees or over-the-credit-limit fees.

What Is the Rewards Program Like for Spark Miles From Capital One?

Capital One's Spark Miles credit card has a flexible, generous and easy to use rewards program. Earning miles is easy with its 2 points for every dollar reward ratio on all purchases. The miles you earn don't expire and you can redeem miles for travel, gift cards or even cash.

Redeeming miles for travel expenses is just as easy. Just purchase the ticket with the airline and travel website you prefer and pay for it with your Sparks credit card. Then simply request a statement credit from Capital One. This avoids the hassle of blackout dates and seat restrictions. There is a 1:1 ratio when it comes to miles and cents. For example, a $200 flight will cost you 20,000 miles.

The Spark Miles From Capital One credit card also comes with benefits including 90-day purchase protection, auto-rental collision damage waiver, extended warranty on items purchased with the card, travel and emergency assistance and travel and emergency assistance.

What about the Signup Bonus for Spark Miles From Capital One?

Spark Miles users can earn 50,000 miles ($500 equivalent) if they spend $4,500 within the first three months of opening their account. 

How Is Spark Miles From Capital One Better Than Other Credit Cards?

The Sparks Miles credit card issued by Capital One has a competitive rewards rate, a large signup bonus, useful travel benefits, and relatively low rates. It does have a $59 annual fee, but it's waived the first year, there are no foreign transaction fees, and the 50,000 miles signup bonus pays for over 5 years of annual fees.

If paying an annual fee is deal-breaker, start with this card and then switch to the Spark Miles Select credit card after 12 months. The Select has a lower rewards rate (1.5%) but doesn't have an annual fee.

Important Disclosures: http://www.capitalone.com/business-credit-cards/spark-miles-rewards/disclosures/

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Feature Breakdown

Grace Period / Deferred Interest (Months)
25
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
No Foreign Transaction Fee
Annual Fee
$59
Late Payment Penalty
$39
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Customer Type
Business
Card Type
  • Travel
  • Rewards
Card Network
  • Visa
Extended Warranty
Car Rental Insurance
Fraud Liability
Emergency Support
Flight Insurance
Lost Luggage Insurance
Travel Insurance
Rewards Categories
  • Every Purchase
Every Purchase
2x
Purchases APR
Starting at
17.99%
Balance Computation
average daily balance
Penalty APR
30.4%
Balance Transfer APR
Starting at
17.99%

Reviews

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Capital One Business Credit Cards

Product

Reviews

Purchases APR

Balance Transfer APR

Annual Fee

Credit Score Range

Spark Classic for Business From Capital One

Spark Classic for Business From Capital One

 
6
 
8 total votes
Starting Purchases APR 23.99% Starting Purchases APR
Starting Balance Transfer APR 23.99% Starting Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 600 - 750 600 850
Spark Cash for Business From Capital One

Spark Cash for Business From Capital One

 
1
 
1 total votes
Starting Purchases APR 17.99% Starting Purchases APR
Starting Balance Transfer APR 17.99% Starting Balance Transfer APR
Annual Fee $59 Annual Fee
Credit Score Range 700 - 850 600 850
Spark Miles Select From Capital One

Spark Miles Select From Capital One

 
1
 
1 total votes
Purchases APR 13.99% - 21.99% 10% 25%
Balance Transfer APR 13.99% - 21.99% 10% 22%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 600 850
Spark Cash Select From Capital One

Spark Cash Select From Capital One

 
 
1
1 total votes
Purchases APR 13.99% - 21.99% 10% 25%
Balance Transfer APR 13.99% - 21.99% 10% 22%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 600 850