Review: Capital One Spark Miles for Business
Kurt Adams
February 16, 2024
6 min read
Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
Who is the Capital One Spark Miles for Business for?
The Capital One Spark Miles for Business card is a great option for business owners and entrepreneurs who want a straightforward way to earn flexible travel rewards, and get a few extra travel perks along the way.
Capital One Spark Miles for Business Quick Facts
card_name
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
Earning rate:
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions.
- Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel.
Welcome offer: bonus_miles_full
Pros and cons
Pros:
Cons:
- No bonus categories with this card. If your business spends heavily in several areas, consider another card.
- Capital One currently has no domestic US airline transfer partners
- Lacks extra perks, like lounge access, that more premium business cards offer
Our take
If you’re a business owner who wants to earn travel rewards, but doesn’t want to have to bother tracking a bunch of bonus categories or checking off a laundry list of statement credits to use, then the Capital One Spark Miles for Business may be a good fit.
Capital One Spark Miles for Business Review
The card allows you to earn 2X Miles (Capital One calls its points currency “miles”) on every purchase, which makes earning points simple and straightforward. You’ll be able to transfer those points to Capital One’s network of 15 transfer partners, which include some great airlines to get a free seat on a flight.
Earning points with Capital One Spark Miles for Business
The Capital One Spark Miles for Business card earns “Miles,” which is Capital One’s name for transferable points.
This card lets you earn:
- 2X Miles per $1 spent on all purchases
- 5X Miles per $1 spent on hotel and car rental purchases through Capital One Travel
Redeeming points with Capital One Spark Miles for Business
You can redeem your Capital One Miles for a statement credit to cover a previous travel purchase, but the best way to use your Miles (points) is by transferring them to one of Capital One’s travel partners.
Capital One has more than a dozen transfer partners that you can transfer your miles to at a 1:1 ratio. Some of our favorites include Flying Blue (the loyalty program of AirFrance), Turkish Miles & Smiles, Avianca Life Miles, Air Canada Aeroplan, and British Airways Executive Club.
Alternatives to Capital One Spark Miles for Business
Alternatives to the Capital One Spark Miles for Business Card | |
|---|---|
card_name | card_name |
| Annual fee | |
annual_fees | annual_fees (See Rates and Fees) |
| Foreign transaction fees | |
foreign_transaction_fee | foreign_transaction_fee |
| Earning rate | |
|
|
| Welcome offer | |
bonus_miles_full | bonus_miles_full |
| Our take | |
Great reward currency, but no Trusted Traveler Program statement credit. | A better option if you want to earn travel points but not pay any annual fee. |
Ink Business Preferred®
You could also consider Ink Business Unlimited or Ink Business Cash, but these earn traditional cash-back rewards cards. There’s a way to use their rewards for travel, but it involves holding other cards and moving the points.
The Blue Business® Plus Credit Card from American Express
American Express offers a great range of travel partners, some of which are the same as Capital One, but some unique ones like Delta, Hawaiian Airlines, Marriot and Hilton.
Complementary cards to Capital One Spark Miles for Business
If you love Capital One Miles, you could pair this card with several other cards in the Capital One family to earn even more:
Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
See Rates and Fees for the card_name
See Rates and Fees for the card_name
See Rates and Fees for the card_name
See Rates and Fees for the card_name
See Rates and Fees for the card_name
Published February 16, 2024
Last updated March 1, 2024
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