Last Updated: 02/20/2026
Capital One Spark Miles for Business
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in Business Credit Cards from Capital One
Last Updated: 02/20/2026
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
Starting at 24.49%(Verified 02/20/2026)
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Balance Transfer APR (Variable APR)
Starting at 24.49%(Verified 02/20/2026)
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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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| 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.
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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