Last Updated: 05/14/2026
SuperMoney User Recommendation Score +89
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
24.99%(Verified 03/13/2026)
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Balance Transfer APR (Variable APR)
24.99%(Verified 03/13/2026)
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Annual Fee
$95
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Credit Score Range
700 - 850
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Number of Reviews
Capital One Spark Miles for Business Review
This is a rewards card issued by Capital One. If you're wondering whether Capital One Spark Miles for Business is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5 miles per dollar spent.
- All information about this card has been collected independently. This card is no longer available through SuperMoney.
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- $0 intro annual fee for the first year. $0 intro for first year
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Spark 2X Miles
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% .
It also has a variable cash advance APR that ranges from 30.49% up to 30.99% . Note that late payments are subject to an APR of 32.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 24.99% |
| Balance Transfer APR | 24.99% |
| Cash Advance APR | 30.49% - 30.99% |
| Penalty APR | 32.9% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.00 ($0 intro for first year) .
- A late payment penalty of up to $39 .
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $95.00 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0.00 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, Spark 2X Miles offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Yes. Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Capital One Spark Miles for Business Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Spark 2X Miles
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Business Credit Cards from Capital One
Purchase APR
17.24% - 23.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
700 - 850
300
850
Purchase APR
Starting at 24.49%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 24.49%
Disclaimer popup with additional information
Annual Fee
$95
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 750
300
850
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
Rating not yet determined
Purchase APR
16.74% - 22.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74% - 22.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 750
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$395
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +89, or 4.8 on a 5-point rating scale.
+89
-1000+100
No one recommends
Everyone recommends
Capital One Spark Miles for Business Community Reviews
Would you recommend Capital One Spark Miles for Business to your friends?
MJ
Matthew J.
Feb 12, 2023
May or may not recommend
Yes I would strongly recommend to anyone I know esp business
KC
Keana C.
Nov 30, 2022
May or may not recommend
This card is great. You can earn unlimited 2X miles on every purchase for your business, plus 5X on hotels and rental cars booked through Capital One Travel, definitely, one to try out.
Anthony C.
Mar 15, 2021
May or may not recommend
This spark card is my go to for gaining business supplies and paying it off at the end of every month! I love the customer service and the business rewards program too! Try this card first and you will be granted more credit in no time!
OJ
Okunola John W.
Dec 11, 2020
May or may not recommend
I pay $95 annual fee yearly and I must say it worth every penny I pay yearly. My business makes me travel almost on a weekly basis, spark card has been my great travel plan companion. They usually give reward whenever I make a purchase which makes me earn something, I no longer lose a lot of money on my credit card since I subscribed to capital one.
AB
Ashley B.
Nov 28, 2020
May or may not recommend
I run a small business. Most times, whenever I want to travel, I'm always faced with the problem of expenditure because it doesn't fit into the bonus of the travel card. With Spark miles Business card though, I no longer worry about expenditure. To top it all, I even earn money from my travels. Capital one spark miles have made things better for my business. You should try it ...Show More
OL
Oyalola L.
Oct 29, 2020
May or may not recommend
My new business made me travel a lot, and it generated so much fees. Trying out Spark Card introduced me to a new world. Not only did it not charge for foreign transactions, it also offered rewards whenever we made a purchase. The annual fee of $95 was totally worth it!
DK
Dave K.
Oct 21, 2020
May or may not recommend
They are very good about emailing with updates when payments are due and when they are officially posted. The Login process is easier than many other bank sites. In addition, they offer rewards for points on every purchase (which do not have to be used as miles if not traveling much), which a lot of other business charge cards do not.
U
Anonymous
Oct 29, 2019
May or may not recommend
If you have a sizable amount of business expenses going through your credit card the reward structure on this card allows you to rack up a ton of points quickly. The Capital One site and app are also pretty good. The structure of the rewards program is also pretty great in that you can either use their booking tools or just purchase anywhere and easily request a statement credit for ...Show More
U
Anonymous
Aug 2, 2015
May or may not recommend
This card has a reasonable annual fee and low APR. The rewards program is very generous as well. The catch is that you must have really excellent credit to qualify -- otherwise, don't bother applying.
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