Overview

Who is this credit card designed for?

Spark Miles Select From Capital One is a credit card issued by Capital One, which is based in Richmond, VA.

Spark Miles Select From Capital One is designed for small business owners with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual 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 Select From Capital One has a variable purchase APR that ranges from 14.49% up to 22.49%.

The card has a variable balance transfer APR that ranges from 14.49% up to 22.49%.

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?

Yes, Spark Miles Select From Capital One offers an introductory APR rate of 0%.

What are the fees?

The following fees apply to Spark Miles Select From Capital One:

• A late payment penalty of up to $39.
• There are no foreign transaction fees

Is a rewards program offered?

Spark Miles Select From Capital One offers a rewards program to its customers. This business card features rewards for purchases in the following categories:

• Airfare
• Every Purchase

Is a signup bonus offered?

Spark Miles Select From Capital One doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, and other perks.

Is an annual loyalty bonus offered?

Spark Miles Select From Capital One doesn't offer a cash loyalty bonus.

What additional benefits are offered?

Spark Miles Select From Capital One provides the following benefits:

• Car rental insurance
• Emergency support
• Extended warranty
• Flight insurance
• Fraud liability
• Lost luggage insurance
• Travel insurance