Last Updated: 03/13/2026
Capital One Spark Miles for Business
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in Business Credit Cards from Capital One
Last Updated: 03/13/2026
SuperMoney User Recommendation Score +89
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
24.99%(Verified 03/13/2026)
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Balance Transfer APR (Variable APR)
24.99%(Verified 03/13/2026)
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Annual Fee
$95
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Credit Score Range
700 - 850
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Number of Reviews
Capital One Spark Miles for Business Review
This is a rewards card issued by Capital One. If you're wondering whether Capital One Spark Miles for Business is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5 miles per dollar spent.
- All information about this card has been collected independently. This card is no longer available through SuperMoney.
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- $0 intro annual fee for the first year. $0 intro for first year
- 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.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Spark 2X Miles
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% .
It also has a variable cash advance APR that ranges from 30.49% up to 30.99% . Note that late payments are subject to an APR of 32.9% 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 | 24.99% |
| Balance Transfer APR | 24.99% |
| Cash Advance APR | 30.49% - 30.99% |
| Penalty APR | 32.9% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.00 ($0 intro for first year) .
- 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 | $95.00 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0.00 |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
Yes, Spark 2X 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Yes. Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Capital One Spark Miles for Business Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
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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 Spark 2X Miles
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