Spark 2X Miles
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Spark 2X Miles

SuperMoney Net Recommendation Score +89  


This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.


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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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
  • 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 Pre✓®.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip Cancellation and Interruption Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Spark 2X Miles is accepted.
  • Spark 2X Miles reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee as low as $0. up to $95

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.

Capital One Spark Miles Rates & Terms
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.

Capital One Spark Miles Fees
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

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.
SuperMoney Disclosure: 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

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.


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

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View all business credit cards offered by Capital One

Other Business Credit Cards by Capital One



  Available in 50 states and Washington, D.C.
  • 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
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 Pre✓®
  • 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 Rates
  • Airfare
  • Car Rentals
  • Hotels
  • Every Purchase
Signup Bonus (points) 50,000
APR Type Variable APR
Balance Computation average daily balance (including new transactions)
Cash Advance APR (Variable APR) 28.49%
Penalty APR (Variable APR) 30.9%
Purchase APR (Variable APR) 22.49%
(Verified 08/04/2023)
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 22.49%
(Verified 08/04/2023)
Card Network Visa
Card Type
  • Rewards
  • Travel
  • Zero Percent

Spark 2X Miles Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +89, equating to 4.8 on a 5 point rating scale.


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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