Features

Who is Spark Miles From Capital One Designed For?

The Spark Miles From Capital One card is designed for business owners with excellent credit who frequently travel for business and would like to earn travel rewards on their purchases.

What are the Interest Rates?

The interest rate for purchases and transfers is 17.24%, which is competitive for a business travel card. The cash advance fee is 23.24%.

What Are the Fees?

The Spark Miles credit card has a $59 annual fee, but it's waived the first year. It has a 3% cash advance fee with a minimum fee of $10 and a $39 late payment fee, but that's it. There are no balance-transfer fees, foreign transaction fees, returned balance fees or over-the-credit-limit fees.

What Is the Rewards Program Like?

Capital One's Spark Miles credit card has a flexible, generous and easy to use rewards program. Earning miles is easy with its 2 points for every dollar reward ratio on all purchases. The miles you earn don't expire and you can redeem miles for travel, gift cards or even cash.

Redeeming miles for travel expenses is just as easy. Just purchase the ticket with the airline and travel website you prefer and pay for it with your Sparks credit card. Then simply request a statement credit from Capital One. This avoids the hassle of blackout dates and seat restrictions. There is a 1:1 ratio when it comes to miles and cents. For example, a $200 flight will cost you 20,000 miles.

What about the Signup Bonus?

Spark Miles users can earn 50,000 miles ($500 equivalent), if they spend $4,500 within the first three months of opening their account. 

Any Other Benefits?

The Spark Miles From Capital One credit card comes with 90-day purchase protection, auto-rental collision damage waiver, extended warranty on items purchased with the card, travel and emergency assistance and travel and emergency assistance.

How Is It Better Than Other Credit Cards?

The Sparks Miles credit card issued by Capital One has a competitive rewards rate, a large signup bonus, useful travel benefits, and relatively low interest rates. It does have a $59 annual fee, but it's waived the first year, there are no foreign transaction fees, and the 50,000 miles signup bonus pays for over 5 years of annual fees.

If paying an annual fee is deal-breaker, start with this card and then switch to the Spark Miles Select credit card after 12 months. The Select has a lower rewards rate (1.5%) but doesn't have an annual fee.

Important Disclosures: http://www.capitalone.com/business-credit-cards/spark-miles-rewards/disclosures/

  • Card Type
    Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    29.65%
  • Purchases APR
    17.24% - 17.24%
  • Balance Transfer APR
    17.24% - %
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0
js-table-filter ccard-type-222
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23.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
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js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 23.24%
Balance Transfer APR 23.24%
090
js-table-filter bizname-capital-one-spark-cash-business-card
59
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
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js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
158
js-table-filter bizname-capital-one-spark-cash-select-business-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-136
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
168
js-table-filter bizname-spark-miles-select-from-capital-one
js-table-filter air-miles-136
0
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
058
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If you travel on business, you need to have this card. The rewards program is excellent and simple to use. You can book tickets with no blackout dates and travel with no foreign transaction fees. The annual fee is reasonable and it's waived the first year. Just a good card.


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