Points, Miles & Credit Cards

Review: Capital One Spark Miles for Business

Kurt Adams

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

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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:

  • Earns Capital One Miles, Capital One’s points currency, which you can transfer to 15 travel partners
  • Statement credit for Global Entry or TSA PreCheck application
  • annual_fees

    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

    card_name is a great option if you’re looking for a business travel credit card. Its current welcome offer is: bonus_miles_full.

    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

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    card_name
    Annual fee
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    annual_fees
    (See Rates and Fees)
    Foreign transaction fees
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    foreign_transaction_fee
    Earning rate
    • 3X points per $1 on the first $150,000 spent in the following categories each account anniversary: 
      • Shipping
      • Ads on social media or search engines
      • Internet, cable, and phone services
      • Travel
    • 1X point per dollar spent on all other purchases 
    • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    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®

    If you’d prefer to earn Chase Ultimate Rewards points instead of Capital One Travel points, consider the card_name. It has a great welcome offer: bonus_miles_full. While the annual fee is comparable, the Chase Ink Business Preferred does not offer a credit for Global Entry, TSA PreCheck, or NEXUS.


    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.

    Read our review

    The Blue Business® Plus Credit Card from American Express

    card_name similar rate: 2X Membership Rewards Points per eligible $1 spent.

    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.

    It’s worth noting that The Blue Business® Plus Credit Card from American Express carries annual_fees , but it also does not come with a credit for Trusted Traveler Programs.

    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.

    Kurt Adams

    Kurt Adams

    Marketing


    Published February 16, 2024

    Last updated March 1, 2024

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