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Capital One® Spark® Miles for Business

in Business Credit Cards from Capital One

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Capital One® Spark® Miles for Business

Claimed

in Business Credit Cards from Capital One

Net Recommendation Score +50% 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.

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Highlights
Highlights
Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $95
Purchase APR  (Variable APR) 18.74%
Balance Transfer APR  (Variable APR) 18.74%
Credit Score Range 700 - 850
Rewards Rates
  • Airfare
  • 5% on Car Rentals
  • 2% on Every Purchase
  • 5% on Hotels

Capital One® Spark® Miles for Business Review

Who is Capital One® Spark® Miles for Business designed for?

Capital One® Spark® Miles for Business is a credit card issued by Capital One. 

This card is designed for businesses with good credit. The minimum credit score to apply is 700.

What are the relevant APRs for Capital One® Spark® Miles for Business?

Capital One® Spark® Miles for Business has a variable purchase APR of 18.74%. The card has a variable balance transfer APR of 18.74% .

It also has a variable cash advance APR of 24.74% . Note that late payments are subject to an APR of 31.15% 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 Capital One® Spark® Miles for Business have an introductory APR offer?

No, Capital One® Spark® Miles for Business does not come with an introductory APR offer for balance transfers.

Capital One® Spark® Miles for Business does not offer an introductory rate on new purchases.

Capital One® Spark® Miles for Business Rates & Terms
Purchase APR 18.74%
Balance Transfer APR 18.74%
Cash Advance APR 24.74%
Penalty APR 31.15%

What are the Capital One® Spark® Miles for Business fees?

The following fees apply to Capital One® Spark® Miles for Business:

  • An annual fee of $95.
  • A late payment penalty of up to $39.

Does Capital One® Spark® Miles for Business have a foreign transaction fee?

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

Is there a Capital One® Spark® Miles for Business cash back or rewards program?

Capital One® Spark® Miles for Business offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels

Does Capital One® Spark® Miles for Business have a signup bonus?

Capital One® Spark® Miles for Business doesn't offer a cash signup bonus.

However, it does include a 50000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.

Does Capital One® Spark® Miles for Business offer an annual loyalty bonus?

Capital One® Spark® Miles for Business doesn't offer a cash loyalty bonus.

What are the Capital One® Spark® Miles for Business benefits?

Capital One® Spark® Miles for Business provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

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 can help improve your credit score.

How to apply for Capital One® Spark® Miles for Business

  • 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.
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Feature Breakdown

Every Purchase (Points) Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem
Balance Transfer Fee % 0%
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25
Annual Fee $95
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Late Fee Amount $39
Customer Type Business
Minimum Age 18
Card Network
  • Visa
Card Type
  • Rewards
  • Travel
  • Zero Percent
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Emergency Support  
Extended Warranty  
Flight Insurance  
Fraud Liability  
Lost Luggage Insurance  
Travel Insurance  
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 Rates
  • Airfare
  • 5% on Car Rentals
  • 2% on Every Purchase
  • 5% on Hotels
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 24.74%
Purchase APR (Variable APR) 18.74%
Balance Computation average daily balance (including new transactions)
Penalty APR 31.15%
Balance Transfer APR (Variable APR) 18.74%

Capital One® Spark® Miles for Business Community Reviews

 

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Capital One® Spark® Miles Select for Business

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Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $0 Annual Fee
Purchase APR 14.74% - 22.74%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 14.74% - 22.74%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Rewards Rates
  • 5% on Car Rentals
  • 1.5% on Every Purchase
  • 5% on Hotels
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Annual Fee $0 Annual Fee
Purchase APR 24.74% Variable APR
Balance Transfer APR 24.74% Variable APR
Credit Score Range 600 - 750     500 850
Rewards Rates
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Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

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1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $95 Annual Fee
Purchase APR 18.74% Variable APR
Balance Transfer APR 18.74% Variable APR
Credit Score Range 700 - 850     500 850
Rewards Rates
  • 2% on Every Purchase
Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $0 Annual Fee
Purchase APR 14.74% - 22.74%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 14.74% - 22.74%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Rewards Rates
  • 1.5% on Every Purchase
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Annual Fee $0 Annual Fee
Purchase APR 18.74% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 750 - 850     500 850
Rewards Rates
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