Features

Who is the Spark Miles Select From Capital One Credit Card Designed For?

The Spark Miles Select From Capital One credit card is designed for business owners with excellent credit who frequently travel for business and would like to earn a generous signup bonus and double reward miles on their purchases.

What Are the Rates for Spark Miles Select From Capital One?

Rates range from 13.74% APR to 21.74% APR depending on customers' creditworthiness, which is competitive for a business travel card. The cash advance rate as is 23.74% APR and the penalty rate that is triggered if a cardholder is late on a payment is 30.15% APR.

What Are the Fees for Spark Miles Select From Capital One?

The Spark Miles credit card has no annual fee. The card has a 3% cash advance fee with a minimum fee of $10 and up to a $39 late payment fee, but that's it. There are no balance-transfer fees, foreign transaction fees, returned balance fees or over-the-credit-limit fees.

What Is Spark Miles Select From Capital One Rewards Program Like?

Capital One's Spark Miles credit card has a flexible, generous and easy to use rewards program. Earning miles is easy with its 1.5 points for every dollar reward ratio on all purchases. The miles you earn don't expire and you can redeem miles for travel, gift cards or even cash.

Redeeming miles for travel expenses is just as easy. Just purchase the ticket with the airline and travel website you prefer and pay for it with your Sparks credit card. Then simply request a statement credit from Capital One. This avoids the hassle of blackout dates and seat restrictions. There is a 1:1 ratio when it comes to miles and cents. For example, a $200 flight will cost you 20,000 points.

What about the Spark Miles Select From Capital One Signup Bonus?

Spark Miles users can earn 20,000 miles ($200 equivalent) if they spend $3,000 within the first three months of opening their account. 

Does Spark Miles Select From Capital One Credit Card Have Any Other Benefits?

The Spark Miles Select From Capital One credit card comes with 90-day purchase protection, auto-rental collision damage waiver, extended warranty on items purchased with the card, travel and emergency assistance and travel and emergency assistance.

How Is Spark Miles Select From Capital One Better Than Other Credit Cards?

The Sparks Miles Select credit card issued by Capital One has a competitive rewards rate, a large signup bonus, useful travel benefits, and relatively low rates. The card has no annual fee and no foreign transaction fees.

 

  • Card Type
    • Travel
    • Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • 0% Introductory APR
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Balance Computation
    average daily balance
  • Penalty APR
    30.15%
  • Purchases APR
    13.74% - 21.74%
  • Balance Transfer APR
    13.74% - 21.74%
js-table-filter bizname-spark-classic-from-capital-one
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
600
js-table-filter every-purchase-138
23.74
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 600
Purchases APR 23.74%
Balance Transfer APR 23.74%
190
js-table-filter bizname-capital-one-spark-cash-business-card
59
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
17.74
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 17.74%
Balance Transfer APR 17.74%
058
js-table-filter bizname-capital-one-spark-cash-select-business-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
13.74
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 13.74%
Balance Transfer APR 13.74%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-223
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
17.74
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Travel
Card Type Rewards
Credit Score Range 700
Purchases APR 17.74%
Balance Transfer APR 17.74%
068
js-table-filter bizname-spark-miles-select-from-capital-one
js-table-filter air-miles-136
0
js-table-filter ccard-type-223
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
13.74
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Air Miles
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Credit Score Range 700
Purchases APR 13.74%
Balance Transfer APR 13.74%
158
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This card has a reasonable annual fee and low APR. The rewards program is very generous as well. The catch is that you must have really excellent credit to qualify -- otherwise, don't bother applying.


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