| Introductory APR | No  |
| Introductory Bonus | Yes  |
| Cash Back Rewards | No |
| Annual Member Fee | Yes |
| Credit Required | Excellent  |
Capital One® Spark® Miles Credit Card is a credit card that allows small business owners to get 2X of mile points on every purchase. It offers a sign-up bonus worth 50,000 miles and a waived annual fee for the first year. We compiled Capital One® Spark® Classic user reviews from around the web and determined that it has generally have positive ratings. We also discussed the rates and fees it offers.
Card Details | Rewards Details | Offer Details
Summary of User Reviews
Capital One® Spark® Miles Credit Card Pros
People who left a positive review of Capital One® Spark® Miles Credit Card said that they are happy with the 2X rewards mile points they get on every purchase, as well as the generous sign-up bonus of 50,000 miles. They also like that there is no foreign transaction fee.
Capital One® Spark® Miles Credit Card Cons
People who left a negative review of Capital One® Spark® Miles Credit Card dislike that even if additional employee cards come at no additional cost, there is no way to monitor their employees’ spending.
Most Helpful Positive User Review:
A positive review on Nerdwallet of the Capital One® Spark® Classic Credit Card is satisfied that it has a generous sign-up bonus of 50,000 miles.
Most Helpful Negative User Review:
A negative review on CreditCards.com said that he is unhappy that the card does not allow remote access to employee accounts, nor does it allow him to put a credit limit to them.
Card Details: Capital One® Spark® Miles Credit Card
| Credit Required | Excellent |
| Introductory APR on Purchases | N/A |
| APR on Purchases After Introductory Period | 19.24% Variable |
| Introductory Balance Transfer APR | N/A |
| Introductory Balance Transfer Fee | N/A |
| Balance Transfer APR | 19.24% |
| Balance Transfer Fee | Info not available |
| Cash Advance APR | 25.24% |
| Cash Advance Fee | Either $10 or 3% of each cash advance, whichever is greater |
| Late Payment Fee | Up to $39 |
| Return Payment Fee | Info not available |
| Foreign Transaction Fee | $0 |
| Annual Member Fee | $0 intro for the first year, $95 thereafter |
Rewards Details: Capital One® Spark® Miles Credit Card
| Earn 2X miles | on every purchase |
| Get 50,000 bonus miles | once you spend $4,500 on purchases within the first 3 months from account opening |
Offer Details: Capital One® Spark® Miles Credit Card
Earn 2X miles on every purchase. Rewards points do not expire.
Get 50,000 bonus miles once you spend $4,500 on purchases within the first 3 months from account opening.
No foreign transaction fee comes with using the card.
Features include $0 fraud liability in the event that your card is lost or stolen.
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Disclaimer: Reviews on FitSmallBusiness.com are the product of independent research by our writers, researchers, and editorial team. User reviews and comments are contributions from independent users not affiliated with FitSmallBusiness.com's editorial team. Banks, issuers, credit card companies, and other product & service providers are not responsible for any content posted on FitSmallBusiness.com. As such, they do not endorse or guarantee any posted comments or reviews.
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