Capital One Spark Miles for Business Overview

Learn more about Capital One Spark Miles for business with key features, a list of pros & cons, and frequently asked questions.

Updated on January 22nd, 2019

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Capital One Spark Miles for Business is a Capital One small business credit card that allows you to earn travel rewards points on all of your purchases.

Capital One Spark Miles Features & Benefits:

Unlimited rewards.

There is no limit to the travel rewards that you can earn with your Spark Miles card. Simply put: the more you spend, the more you earn. You can also redeem points at any time with no minimum.

Free employee cards.

Do your employees need access to your business credit card? With a Capital One Spark Miles account, you can add cards at no extra charge.

Customized spending reports.

Customized quarterly and yearly spending reports from Capital One will show you where your money is going, making it easier to create budgets and file your business taxes.

Visa travel benefits.

A Spark Miles credit card gives you access to Visa business benefits like car rental insurance, travel assistance and purchase security. With these benefits, you can even access emergency medical services while you are traveling for business.

Capital One Spark Miles for Business Rates & Fees:

Rate or Fee Type


Annual Fee


Variable APR


APR for Cash Advances


Penalty APR


Capital One Spark Miles For Business
Capital One Spark Miles for Business Review:

Pros: Annual fee is waived for the first year. Free employee cards.

Cons: Requires a credit score of 700 or more.

Bottomline: A useful credit card for small business owners looking to collect rewards on their travel expenses.

Capital One Spark Miles for Business Pros & Cons:



No international transaction fees.

Points are limited to travel-related promotions.

Early spending bonus of 50,000 miles.

Higher APR than most travel cards (18.74%).

No fees for transferring the balance of points from another account.

Requires a very high credit score to qualify.

Capital One Spark Miles for Business FAQs:

How do I redeem my Capital One miles?

You can redeem your Capital One travel miles any time by logging into your account at and visiting the "Rewards" page.

How many bonus points do I get when I sign up for a Capital One Spark Miles credit card?

You can earn 50,000 bonus miles if you spend at least $4,500.00 in the first three months. 50,000 points are equal to $500.00.

What is the Capital One annual percentage rate (APR) for cash advances?

Currently, the APR for cash advances is 24.74% with Spark Miles. The penalty APR is 31.15%.

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Capital One Spark Miles for Business Reviews:

Unfortunately, no reviews are available at this time.