Who is the Spark Miles Select From Capital One Credit Card Designed For?

The Spark Miles Select From Capital One credit card is designed for business owners with excellent credit who frequently travel for business and would like to earn a generous signup bonus and double reward miles on their purchases.

What Are the Rates for Spark Miles Select From Capital One?

Rates range from 13.99% APR to 21.99% APR depending on customers' creditworthiness, which is competitive for a business travel card. The cash advance rate as is 23.99% APR and the penalty rate that is triggered if a cardholder is late on a payment is 30.40% APR.

What Are the Fees for Spark Miles Select From Capital One?

The Spark Miles credit card has no annual fee. The card has a 3% cash advance fee with a minimum fee of $10 and up to 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 Spark Miles Select From Capital One 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 1.5 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 points.

What about the Spark Miles Select From Capital One Signup Bonus?

Spark Miles users can earn 20,000 miles ($200 equivalent) if they spend $3,000 within the first three months of opening their account. 

Does Spark Miles Select From Capital One Credit Card Have Any Other Benefits?

The Spark Miles Select 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 Spark Miles Select From Capital One Better Than Other Credit Cards?

The Sparks Miles Select credit card issued by Capital One has a competitive rewards rate, a large signup bonus, useful travel benefits, and relatively low rates. The card has no annual fee and no foreign transaction fees.


  • Credit Score Range
    700 - 850
  • Minimum Age
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • No Annual Fee
  • No Foreign Transaction Fee
  • Card Type
    • Travel
    • Rewards
  • 0% Introductory APR
  • Card Network
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Rewards Categories
    Every Purchase
  • Balance Computation
    average daily balance
  • Penalty APR
  • Purchases APR (variable)
    13.99% - 21.99%
  • Balance Transfer APR (variable)
    13.99% - 21.99%
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