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