share this page

Spark Miles Business Credit Card

Home » Card Issuer » Capital One » Spark Miles Business Credit Card


  • Earn 2 miles per dollar on every purchase, every day
  • Get 10,000 bonus miles - just spend $1,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • Enjoy exclusive, award-winning customer service

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 13.9% $0 first year; $59 thereafter N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 13.9%
  • Cash Advance Rate: 24.9%
  • Late Fee: Up to $39
  • Cash advance Fee: 3%, Min: $10
  • Balance Transfer Fee: None
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Good Credit Score

Spark Miles Business Credit Card Review

The Capital One Spark Miles for Business credit card is one of the most competitive Business Travel cards on the market.  It is designed for business owners who plan on using the Business Credit Card for business oriented travel, and the stand out feature is that you receive 2 miles for every $1 spent on purchases with no restrictions or expiration dates.  This stands out from the rest of the pack - most of of the other cards offer substantially less than 2 miles per dollar spent.  In addition to the generous rewards system, cardholders will receive 10,000 bonus miles for spending at least $1,000 during the first three months, and 5,000 bonus miles for signing up new employees.

That being said, this card does come with some caveats.  After the first year there's an annual fee of $59, cardholders need to ensure the cash back they earn with points justifies the annual fee.  Additionally, in order to redeem your miles, you need to either book through Capital One or call the Rewards Center in order to redeem your points.  We think this might be the largest hassle with the card - as if you don't proactively reach out to redeem your points, you'll never get them.

For the proactive business user who travels frequently, this card is a great way to earn a very significant number of miles very quickly.  It doesn't provide the best benefits for office supplies or for many of the other amenities business cards award, but for a pure business travel card, this is one of the best in class.  If you're interested in the extra miles but don't plan on buying enough to justify the Annual Fee - we'd recommend the Capital One Spark Miles Select credit card.