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Spark Miles From Capital One

in Business Credit Cards

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Spark Miles From Capital One

Claimed

in Business Credit Cards

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Overview

Who is this credit card designed for?

Spark Miles From Capital One is a credit card issued by Capital One, which is based in Richmond, VA.

Spark Miles From Capital One is designed for small business owners with a credit score of 700 to 850. This card charges an annual fee but the fee is waived the first years. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

What are the relevant APRs?

Spark Miles From Capital One has a variable purchase APR starting at 18.49%.

The card has a variable balance transfer APR starting at 18.49%.

It also has a variable cash advance APR starting at 24.49%.

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.

Is an introductory APR offer available?

No, Spark Miles From Capital One does not come with an introductory APR offer.

What are the fees?

The following fees apply to Spark Miles From Capital One:

  • A late payment penalty of $39.
  • There are no foreign transaction fees

Is a rewards program offered?

Spark Miles From Capital One offers a rewards program to its customers. This business card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

Spark Miles From Capital One doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $4500 that can be redeemed for travel, gifts, and other perks.

Is an annual loyalty bonus offered?

Spark Miles From Capital One doesn't offer a cash loyalty bonus.

What additional benefits are offered?

Spark Miles From Capital One provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Flight insurance
  • Fraud liability
  • Lost luggage insurance
  • Travel insurance
  • 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...

    Feature Breakdown

    Grace Period
    25
    Foreign Currency Transaction Fee
    0%
    No Annual Fee First Year
    No Foreign Transaction Fee
    Annual Fee
    $95
    Late Payment Penalty
    $39
    Credit Score Range
    700 - 850
    850 300 700
    Minimum Age
    18
    Customer Type
    Business
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Purchase Protection
    • Travel Assistance
    Travel Insurance
    Car Rental Insurance
    Extended Warranty
    Fraud Liability
    Emergency Support
    Flight Insurance
    Lost Luggage Insurance
    Every Purchase
    2x
    Rewards Categories
    • Every Purchase
    Signup Bonus (points)
    50,000
    Cash Advance APR
    (Variable APR)
    Starting at
    24.49%
    Purchases APR
    (Variable APR)
    Starting at
    18.49%
    Balance Computation
    average daily balance
    Penalty APR
    30.9%
    Balance Transfer APR
    (Variable APR)
    Starting at
    18.49%

    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
    (Variable APR)
    24.49% Starting Variable APR
    Starting Balance Transfer APR
    (Variable APR)
    23.99% Starting Variable 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
    (Variable APR)
    18.49% Starting Variable APR
    Starting Balance Transfer APR
    (Variable APR)
    18.49% Starting Variable APR
    Annual Fee $95 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
    (Variable APR)
    14.49% - 22.49% 12% 30% Variable APR
    Balance Transfer APR
    (Variable APR)
    14.49% - 22.49% 12% 25% Variable APR
    Annual Fee $0 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
    (Variable APR)
    14.49% - 22.49% 12% 30% Variable APR
    Balance Transfer APR
    (Variable APR)
    14.49% - 22.49% 12% 25% Variable APR
    Annual Fee $0 Annual Fee
    Credit Score Range 700 - 850 600 850