Editorial and Partnership Disclosure
Capital One Spark Miles for Business is an excellent travel credit card that comes with a low annual fee of $95, waived for the first year. This card offers unlimited 2× miles on every business-related purchase, which you can redeem for flights, hotels, and vacation packages. While it charges $0 foreign transaction fees, it doesn’t come with an interest-free financing period.
| Intro APR | N/A |
|---|---|
| Regular APR | 24.49% (Variable) |
| Annual Fee | $95 |
| Credit Needed | Excellent |
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
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How We Evaluate Travel Rewards Business Credit Cards
When grading fixed-rate travel rewards business credit cards like Capital One® Spark® Miles for Business, we weigh ongoing rewards the heaviest. We rate introductory rewards as the second-biggest factor and then consider the annual fee, introductory and ongoing APRs, and additional features.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 28 | 30 |
| Introductory Rewards | 20 | 20 |
| Additional Features | 13 | 15 |
| Annual Fee | 15 | 15 |
| Introductory APR | 0 | 10 |
| Ongoing APR | 6 | 10 |
| Total Score | 82 | 100 |
Who the Capital One Venture Business Is Best For
- Those who prefer a fixed-rate rewards card: This card lets you earn unlimited 2× miles on all spending for a low annual fee, making it a viable choice for business owners who don’t want to keep track of bonus category spending. It’s no surprise that this card is our top pick for best business credit cards for miles.
- Those who travel for business frequently: It is one of our top business credit cards for travel, as you can redeem earned miles as travel purchases, gift cards, cash back, and more.
Capital One Venture Business Rewards
- 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months after opening an account
- 5× miles on hotels and rental cars booked through Capital One Travel
- Unlimited 2× miles on all purchases
Capital One Venture Business Calculator
Find out how much you can earn from Capital One Spark Miles for Business based on your estimated monthly expenses. Use our rewards calculator to compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each Capital One mile is valued within 0.5 to 1 cent.
Capital One Spark Miles for Business Calculator
Your potential annual reward earnings are:
How to Redeem Capital One Venture Business Rewards
You can redeem your earned Capital One Spark Miles rewards through either the Capital One website or the mobile app. If you redeem via the website, go to “Explore Rewards & Benefits.” For mobile users, go to “Redeem,” which lists all the ways you can use your rewards.
You can redeem your Capital One miles rewards for the following:
- Travel purchases (including transfers to over 15 of Capital One’s partners such as Air Canada, Aeromexico, Emirates Skywards, Qantas, and Turkish Airlines)
- Gift cards
- Cash back
- Event tickets
- PayPal or Amazon Shopping
Note that rewards do not expire so long as your account remains active. Also, there is no cap on the amount of rewards you can earn on purchases.
Capital One Venture Business Features
Cash Management
- Payment flexibility: Choose your monthly due date, enabling your business to control when to pay.
- Year-end summaries: Receive an itemized report of what you have spent within the past year to simplify budgeting and tax times.
- Employee cards: Issue and track employee spending, set customized spending limits for each issued card, and earn all their rewards from their purchases.
Travel Benefits
- Global Entry or TSA PreCheck®: Get up to $120 credit for Global Entry or TSA PreCheck®. To qualify, you must either complete the Global Entry application and pay a $100 application fee or complete the TSA PreCheck® application and pay an $85 application fee.
- Capital One Lounge
Protection Coverage
- Extended warranty: Get free additional warranty and protection on eligible items that you purchase with your Capital One credit card.
- $0 fraud liability: Be not held liable for any fraudulent charges on your account; plus, you can get an emergency card replacement in case your card is lost or stolen.
- Fraud and security alerts: Be notified via email or text message alert if a potential mistake or suspicious transaction is detected on your account.
Capital One Venture Business Fees
APR
- Introductory:N/A
- Ongoing and balance transfers: N/A
- Cash advance: 30.49% (Variable)
- Penalty: 34.65% variable, which changes with the prime rate—will be applied to your account if you make a late payment.
Fees
- Annual: $95
- Balance transfer: Balance transfers are not available on Venture Business
- Foreign transaction: None
- Cash advance: 5% of the amount of the cash advance, but not less than $5
- Late payment: Up to $39
Your due date is at least 25 days after the close of each billing cycle.
How To Make Payments
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- AutoPay: Sign in to your Capital One account, and click “Set Up AutoPay.” Ensure to follow the steps to set up AutoPay.
- Phone: Call the number on the back of your credit card.
- Online: Log in to your Capital One account and select “Make a payment.”
- Nearest Capital One bank: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn: Payment Processing
PO Box 71087
Charlotte, NC 28772-1087
- Overnight
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Suite 800
Charlotte, NC 28269
Capital One Spark Miles for Business Alternatives
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
If you are looking for a travel rewards business credit card that lets you pay off your balances over time, then we recommend this card. Not only does it let you enjoy $0 annual fees, but you can also want to earn up to 5% cash back in selected spending categories.
Capital One Venture X Business
| Intro APR | N/A |
|---|---|
| Regular APR | 25.74% (Variable) |
| Annual Fee | $395 |
| Credit Needed | Excellent |
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Consider Capital One Venture X Business if you are going to make large purchases while traveling. This card offers a high introductory bonus and up to 10× miles on selected spending categories.
American Express Business Platinum Card®
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $150 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
This card is a great choice if you are looking for a travel business card offering luxury travel perks and exclusive benefits. While the card has a high annual fee of $895, you can earn up to 5× Membership Rewards® points, get access to The Global Lounge Collection, receive statement credits from notable brands like Dell Technologies and Indeed, and secure insurance protection.
Frequently Asked Questions (FAQs)
How can I apply for a Capital One Spark Miles for Business?
You may apply online or call (866) 390-5934. If you received an offer via mail, you can apply by calling the phone number included in the letter.
What kind of information do I need to provide to Capital One when applying for the Capital One Spark Miles for Business?
You will need to secure basic personal information and information about your business—including your business’s total annual revenue and business Tax ID Number (TIN) or Employee ID Number (EIN).
Are there any other Spark Cards offered by Capital One?
Yes, Capital One offers four other Spark Cards aside from the Capital One Spark Miles for Business. Below is a quick overview of each card and its offerings:
- Capital One® Spark® Miles Select for Business: Best for travel rewards and annual spending of less than $19,000
- Capital One Spark Cash Select for Excellent Credit: Best for businesses with excellent credit that want a lower ongoing APR
- Capital One Spark Cash Plus: Best for businesses that want purchasing power and can pay their balances in full every month
- Capital One Spark 1% Classic: Best for those with fair credit
Which state has a Capital One physical branch?
Capital One has over 1,000 branches in the District of Columbia and the following states: New York, New Jersey, Texas, Louisiana, Maryland, and Virginia.
Bottom Line
The Capital One Spark Miles for Business is best for business owners who prefer to earn fixed-rate travel rewards for all business-related purchases for a low annual fee. It’s an ideal fit if you travel for business often because it has $0 foreign transaction fees and lets you redeem miles for travel. Keep in mind, however, that it doesn’t offer interest-free financing.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express Business Platinum Card®
