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Spark 1.5X Miles Select

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SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 15.49% - 25.49%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 15.49% - 25.49%
(Verified 08/04/2023)
Annual Fee $0
Credit Score Range 700 - 850
Number of Reviews 6

Spark 1.5X Miles Select Review

This is a rewards card issued by Capital One. If you're wondering whether Capital One Spark Miles Select is the right card for you, read on.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $3,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Spark 1.5X Miles Select has a variable purchase APR that ranges from 15.49% up to 25.49%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Annual fee waived the first year. Spark 1.5X Miles Select gives you the chance to have the card for a year without paying the $0 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 better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Capital One Spark Miles Select

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 9 months. There is then a variable purchase APR that ranges from 15.49% up to 25.49%.
  • No annual fee.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Global Entry/TSA Pre✓®.
  • Travel accident and travel assistance insurance.
  • Trip Cancellation and Interruption Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Spark 1.5X Miles Select is accepted.
  • Spark 1.5X Miles Select reports to multiple credit bureaus.
  • You need good credit to qualify.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 15.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%.

It also has a variable cash advance APR of 28.49%. Note that late payments are subject to an APR of 30.9% 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 offer an introductory APR rate on new purchases of 0% for a period of 9 months.

Capital One Spark Miles Select Rates & Terms
Purchase APR 15.49% - 25.49%
Balance Transfer APR 15.49% - 25.49%
Cash Advance APR 28.49%
Penalty APR 30.9%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • 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.

Capital One Spark Miles Select Fees
Fees Amount
Annual Fee $0
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 Select 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:

  • Car Rentals
  • Every Purchase
  • Hotels

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 20000 points signup bonus after you spend $3000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (877) 383-4802.

What is the support contact email?

The support contact email for this business credit card is support@capitalone.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Spark 1.5X Miles Select report your account activity to credit bureaus?

Yes, Spark 1.5X Miles Select reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Spark 1.5X Miles Select website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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 Select

Great for businesses that want travel rewards with no annual fee. Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners. Enjoy a $0 annual fee in addition to the travel rewards and bonus miles you can earn. Set up AutoPay so you don’t have to worry about signing into your account every month. If your card is lost or stolen, you can get an emergency replacement and a cash advance. Get an itemized report of your spending to simplify budgeting and tax time. Assign an account manager to make purchases and payments, review transactions and resolve any problems. Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®. Make safer payments online without exposing your actual card number with merchants.

Contact

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

Other Services by Capital One

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Annual Fee $0
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $39
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Global Entry / TSA Pre✓®
  • Travel Assistance
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
Rewards Rates
  • Car Rentals
  • Hotels
  • Every Purchase
Signup Bonus (points) 20,000
APR Type Variable APR
Balance Computation average daily balance (including new transactions)
Cash Advance APR (Variable APR) 28.49%
Penalty APR (Variable APR) 30.9%
Purchase APR (Variable APR) 15.49% - 25.49%
(Verified 08/04/2023)
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 15.49% - 25.49%
(Verified 08/04/2023)
Card Network Visa
Card Type
  • Rewards
  • Travel

Spark 1.5X Miles Select Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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