Capital One Spark Miles for Business
$95/yr
Capital One
Capital One Spark Miles for Business
4.3
(387 reviews)businesstravel
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A straightforward business travel card earning 2x miles on everything — no categories to track. Miles transfer to Capital One's 15+ travel partners including Air Canada, Turkish Airlines, and Wyndham, giving you flexibility to book premium travel at excellent redemption rates.
Annual Fee
$95 (waived first year)
Purchase APR
26.24%
Rewards
2x base rate
Sign-Up Bonus
$500 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Capital One Spark Miles for Business is best suited for established credit users who business travelers wanting simple flat miles. The $95 annual fee pays for itself if you spend $4,750+/year on this card.
This card is great if you…
- 2x miles on all purchases
- Fee waived first year
- No foreign transaction fees
- Business travelers wanting simple flat miles
Consider another card if you…
- $95 fee after year 1
- 26.24% flat APR is high
- Fewer transfer partners than Chase/Amex
Rewards Breakdown
2x miles on all purchases, 5x on hotels & rental cars via Capital One
| Category | Rate |
|---|---|
| Hotels (Capital One) | 5x |
| Rental Cars (Capital One) | 5x |
| Everything else | 2x |
Rewards Distribution
5x
top rate
Hotels (Capital One)5x42%
Rental Cars (Capital One)5x42%
Everything else2x17%
Sign-Up Bonus
50,000 miles after spending $4,500 in 3 months
Fees & APR
| Annual Fee | $95 (waived first year) |
| Purchase APR | 26.24% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $39 |
Pros & Cons
2x miles on all purchases
Fee waived first year
No foreign transaction fees
Transfer to airline/hotel partners
TSA PreCheck credit
$95 fee after year 1
26.24% flat APR is high
Fewer transfer partners than Chase/Amex
The Bottom Line
The Good: The Capital One Spark Miles for Business stands out for its 2x miles on all purchases. The welcome bonus worth $500 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: $95 fee after year 1. The $95 annual fee means you need to use the card actively to justify the cost.
Our Verdict: The Capital One Spark Miles for Business scores 7/10 — a solid option for business travelers wanting simple flat miles. Make sure you'll earn at least $95 in value annually to justify the fee.
Frequently Asked Questions
What is the annual fee for the Capital One Spark Miles for Business?▾
The Capital One Spark Miles for Business has a $95 annual fee, waived for the first year. Consider whether the rewards and perks you'll use offset this cost.
What is the sign-up bonus for the Capital One Spark Miles for Business?▾
The Capital One Spark Miles for Business currently offers a sign-up bonus worth approximately $500. 50,000 miles after spending $4,500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Capital One Spark Miles for Business?▾
The Capital One Spark Miles for Business earns 2x points on all purchases, and up to 5x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Capital One Spark Miles for Business?▾
The Capital One Spark Miles for Business is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Capital One Spark Miles for Business charge a foreign transaction fee?▾
No — the Capital One Spark Miles for Business has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Capital One Spark Miles for Business?▾
The Capital One Spark Miles for Business has a variable purchase APR of 26.24%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Capital One Spark Miles for Business best for?▾
The Capital One Spark Miles for Business is best for Business travelers wanting simple flat miles. A key advantage: 2x miles on all purchases.
Annual Fee Break-Even
$1,000/mo
$100/mo$5,000/mo
Annual rewards earned: $240Annual fee: $95
Card pays for itself! You earn $145 more than the annual fee at this spend level.
Based on 2x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
4.3
387 reviews
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