SuperMoney

Capital One® Spark® Miles for Business

in Business Credit Cards from Capital One

Claimed Visit Site

Capital One® Spark® Miles for Business

Claimed

in Business Credit Cards from Capital One

SuperMoney Net Recommendation Score +86

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +86, equating to 4.7 on a 5 point rating scale.

+86

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

6 users recommend
1 user is unsure
0 users don't recommend
Cast your vote

Would you recommend Capital One® Spark® Miles for Business to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 20.99%
Balance Transfer APR  (Variable APR) 20.99%
Credit Score Range 700 - 850
Annual Fee $95
Number of Reviews 7

Capital One® Spark® Miles for Business Review

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 20.99%
  • Annual fee waived the first year. Capital One® Spark® Miles for Business gives you the chance to have the card for a year without paying the $95 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, 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
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Capital One® Spark® Miles for Business reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
Capital One Spark Miles FAQ

Who is Capital One Spark Miles designed for?

This is a credit card issued by Capital One. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business credit card has a variable purchase APR of 20.99%. The card has a variable balance transfer APR of 20.99% .

It also has a variable cash advance APR of 26.99%. Note that late payments are subject to an APR of 29.4% 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 credit card does not offer an introductory rate on new purchases.

Capital One Spark Miles Rates & Terms
Purchase APR 20.99%
Balance Transfer APR 20.99%
Cash Advance APR 26.99%
Penalty APR 29.4%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $95.
  • 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.

Capital One Spark Miles Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Late Payment Fee $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers.

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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 Capital One® Spark® Miles for Business report your account activity to credit bureaus?

Yes, Capital One® Spark® Miles for Business 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.
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 Capital One® Spark® Miles for Business

Unlimited 2X miles per dollar on every purchase, every day. Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. This card is great for businesses that want up to $100 credit for Global Entry or TSA Pre?®. Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners. Enjoy a $0 intro annual fee for the first year, then $95 after.

Contact

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

Other Services by Capital One

Icon for Business Credit Cards
View all business credit cards offered by Capital One

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee $95
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Late Fee Amount $39
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Global Entry / TSA Precheck Fee Credit
  • Travel Assistance
  • Concierge
Bonus Rewards Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
No Blackout Dates
Rewards Categories
  • Miles on Airfare
  • Miles on Car Rentals
  • Miles on Hotels
  • Miles on Every Purchase
Signup Bonus (points) 50,000
Balance Computation average daily balance (including new transactions)
Cash Advance APR (Variable APR) 26.99%
Penalty APR (Variable APR) 29.4%
Purchase APR (Variable APR) 20.99%
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 20.99%
Card Network Visa
Card Type
  • Rewards
  • Travel
  • Zero Percent

Capital One® Spark® Miles for Business Community Reviews

 

Would you recommend Capital One® Spark® Miles for Business to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +86, equating to 4.7 on a 5 point rating scale.

+86

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Business Credit Cards

Capital One Business Credit Cards

Loading...