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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
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Feature Breakdown

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

Reviews

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Other Business Credit Cards

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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 24.49% 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 18.49% Starting Purchases APR
Starting Balance Transfer APR 18.49% Starting Balance Transfer 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 14.49% - 22.49% 12% 30%
Balance Transfer APR 14.49% - 22.49% 12% 25%
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 14.49% - 22.49% 12% 30%
Balance Transfer APR 14.49% - 22.49% 12% 25%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 600 850