Capital One Spark Miles for Business Review
Capital One · Business travelers wanting simple flat miles
4.3 / 5 (387 reviews)
Annual Fee
$95 (waived first year)
Rewards
2x miles on all purchases, 5x on hotels & rental cars via Capital One
Regular APR
26.24%
Credit Needed
Good (670-749)
Our Expert Verdict
7/10
Editor's Score
A 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.
Pros
- 2x miles on all purchases
- Fee waived first year
- No foreign transaction fees
- Transfer to airline/hotel partners
- TSA PreCheck credit
Cons
- $95 fee after year 1
- 26.24% flat APR is high
- Fewer transfer partners than Chase/Amex
Sign-Up Bonus
50,000 miles after spending $4,500 in 3 months
Key Benefits & Perks
Annual fee waived first year
No foreign transaction fees
Transfer miles to 15+ airline & hotel partners
Global Entry / TSA PreCheck credit ($100)
Free employee cards
Rewards Breakdown
| Category | Rate |
|---|---|
| Hotels (Capital One) | 5x |
| Rental Cars (Capital One) | 5x |
| Everything else | 2x |
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Business travelers wanting simple flat miles
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