
Best Of Product
Spark 2X Miles
Would you recommend Spark 2X Miles to your friends?
Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
22.49% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
22.49% (Verified 08/04/2023) |
Annual Fee | $0 - $95 |
Credit Score Range | 700 - 850 |
Number of Reviews | 9 |
Spark 2X Miles Review
This is a rewards card issued by Capital One. If you're wondering whether Capital One Spark Miles is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of 50000 points after spending $4,500 that can be redeemed for travel, gifts, or other perks.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.49%
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- Annual fee waived the first year. Spark 2X Miles gives you the chance to have the card for a year without paying the $0 annual fee.
- 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.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Capital One Spark Miles
The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 22.49%. The card has a variable balance transfer APR of 22.49% .
It also has a variable cash advance APR of 28.49%. 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.
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 | 22.49% |
Balance Transfer APR | 22.49% |
Cash Advance APR | 28.49% |
Penalty APR | 30.9% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- 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 | $0 |
Foreign Transaction Fee | 0% |
Balance Transfer Fee | 0% |
Late Payment Fee | $39 |
Does it offer a cash back or rewards program?
Yes, Capital One Spark 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:
- Airfare
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 50000 points signup bonus after you spend $4500 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Price Protection
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (877) 383-4802.
What is the support contact email?
The support contact email for this business credit card is support@capitalone.com.
How do people rate the customer service and user experience?
Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.
Does Spark 2X Miles report your account activity to credit bureaus?
Yes, Spark 2X Miles reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Capital One website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Capital One Spark Miles
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 USA - (877) 383-4802
- Visit Site
- Email Support
Other Services by Capital One
Other Business Credit Cards by Capital One
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Annual Fee | $0 - $95 |
Cash Advance Fee (%) | 3% |
Cash Advance Fee Minimum | $10 |
Foreign Currency Transaction Fee | 0% |
Late Fee Amount | $39 |
No Annual Fee First Year | |
No Foreign Transaction Fee | |
No Interest Grace Period for Late Payment | 25 days |
Spark 2X Miles Community Reviews
Would you recommend Spark 2X Miles to your friends?
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