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Spark Miles Select Business Credit Card

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Highlights

  • Get a 50% bonus on the miles you earn throughout the year
  • Earn 1 mile per dollar on every purchase, every day
  • Fly on any airline with no blackout dates or seat restrictions
  • There's no limit to the amount of miles you can earn
  • Miles don't expire

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 14.9% - 19.9%, based on credit worthiness $0 N/A
  • Purchase Intro Period: Through August 2013
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 14.9% - 19.9%, based on credit worthiness
  • Cash Advance Rate: 24.9%
  • Late Fee: Up to $39
  • Cash advance Fee: 3%, Min: $10
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Spark Miles Select Business Credit Card Review

The Capital One Spark Miles Select for Business credit credit card offers small business owners a generous and flexible travel rewards program.  Spending limits can be set for each employee and the expenses can be easily viewed on an itemized statement. At year-end, you get a free report that breaks down your expenses by category.

From a rewards perspective, Spark Miles Select members earn 1 mile for every $1 spent.  Each year on the date of your membership anniversary, you'll earn a bonus that equals 50 percent of the rewards you earned in the prior year. For instance, if you've earned 10,000 miles, you'll get a bonus of 5,000 miles. Fortunately, there are no limits to the amount of miles you can earn and the miles don't expire.  Not a frequent traveler? Not a problem, miles can also be redeemed for cash, gift cards to stores and restaurants, merchandise, and more.

If you're a small business owner interested in a company credit card specifically for travel, both the Capital One Spark Miles credit card and the Capital One Spark Miles Select card are great options.  The biggest difference will be the annual fee - if you don't plan on spending enough money to justify the $59 annual fee of the Capital One Spark Miles card, go with the Spark Miles Select.  If you plan on spending enough (generally, at least $5900 per year), go with the Spark Miles.