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The Capital One® Spark® Miles Select for Business is best for business owners who travel frequently with different airlines. It lets you earn unlimited 1.5x miles on all purchases, regardless of expense categories, which you can redeem for flights, hotels, and vacation packages. You can also transfer miles to any of its travel partners. Plus, it has no annual, balance transfer, and foreign transaction fees.
To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
When grading travel rewards business credit cards like the Capital One® Spark® Miles Select for Business, we rate the ongoing rewards and introductory rewards first. We also consider the travel perks that come with the card, as well as the card’s annual fee, other fees, and introductory and ongoing APRs.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 22 | 25 |
Introductory Rewards | 25 | 25 |
Features | 8 | 10 |
Annual Fee | 10 | 10 |
Other Fees | 10 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 83 | 100 |
Who Capital One® Spark® Miles Select for Business Is Best For
- Business owners who travel for business frequently: You can earn miles that can be redeemed for flights, rent cars, and pay for hotel stays, making it an excellent option for frequent travelers. It’s no surprise that it is our top business credit cards for travel.
- Business owners who don’t have a preferred airline: Since it is not a co-branded airline credit card, you can earn fixed-rate miles on any airline you choose. The good news is that you can transfer your miles to one of Capital One’s 15-plus participating partners, making it one of our leading business credit cards for miles.
If you want to find other options, proceed to our recommended alternatives below to find cards that may be more suitable for your business’s needs. You may also check out our roundup of the best small business credit cards for more options.
Capital One® Spark® Miles Select for Business Rewards
- 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months after opening an account
- 5x miles on hotels and rental cars that are booked through Capital One Travel
- 1.5x miles on all purchases regardless of spending categories
Capital One® Spark® Miles Select for Business Rewards Calculator
Do you want to know how many miles you can earn from Capital One® Spark® Miles Select for Business? Use our rewards calculator below to find out! You only need to input your expected monthly expenses based on the spending categories indicated, and the calculator will do the rest.
The value of Capital One® Spark® miles may vary depending on how you redeem them. Typically, one mile is worth one cent when redeemed for travel through Capital One Travel. Our calculator computes your potential rewards value based on one cent per mile.
It’s important to note that your rewards may be worth more in free travel when you transfer your miles to a partner’s loyalty program. Capital One has over 15 partners, which include Air Canada, British Airways, Qantas, Singapore Airlines, and Turkish Airlines.
How To Redeem Capital One® Spark® Miles Select for Business Rewards
You can redeem your rewards to book flights, hotel stays, car rentals, and vacation packages through the Capital One Travel portal. You can transfer miles to any of Capital One’s 15-plus travel partners or use them to pay for travel expenses made with your card within 90 days of purchase. Additionally, you can redeem your rewards as cash back in the form of a statement credit or check by mail or redeem them as gift cards for restaurants, retailers, or hotels.
Capital One® Spark® Miles Select for Business Features
Travel
- Capital One Travel: Access the best prices on thousands of travel options and take advantage of the reduced prices even after you book your travel. Pay for your booking using your card, rewards, or both.
- Miles transfer: Transfer miles to one of Capital One’s 15-plus participating partners and benefit from possibly higher miles value.
- Rental collision coverage: Rent a car using your Capital One business credit card and get covered for any damage or theft on the rented vehicle.
- Roadside assistance: Easily access important services if you need help during auto-related emergencies, including changing tires, jump-starting, and towing.
Protection Coverage
- Fraud and security alerts: Get notified via email or text message if the bank detects a potential unauthorized transaction or suspicious charge on your account.
- Extended warranty: Receive free additional warranty and protection on eligible items.
- $0 fraud liability: Receive an emergency replacement and a cash advance if your card gets stolen or lost.
Cash Management
- Payment flexibility: Choose your own monthly due date based on your preferred schedule and cash flow convenience.
- Online account access: Manage your account online or through the mobile app and get account activity alerts, see payment options, download past account statements, and control employee spending.
Capital One® Spark® Miles Select for Business Fees
APR
- Introductory: None
- Ongoing (for purchases and balance transfers): 18.24%, 21.24%, or 24.24% variable (based on creditworthiness) which adjusts based on prime rate
- Cash advance: 31.99% variable, which adjusts based on prime rate
- Penalty: 34.4% variable, which adjusts based on prime rate; applies to your account if you make a late payment
Fees
- Annual: None
- Balance transfer: None
- Foreign transaction: None
- Cash advance: $3 or 3%, whichever is greater
- Late payment: Up to $39
How To Make Payments
- Online: Sign in and set up Bill Pay to make quick and easy payments.
- AutoPay: You can set up automatic payments with your preferred schedule via AutoPay. This can be changed or canceled at any time.
- Mobile app: Log in to your account, choose your card, then tap “Make a Payment.” This app is available on both Android and iOS devices.
- Western Union: Aside from the Capital One mobile app, you can also make your payments through the Western Union mobile app using your debit card.
- In-person: Go to the nearest Capital One branch and make your credit card payment during normal business hours.
- Mail: Send either a check or money order (not cash) through its Payment Processing address. Ensure to send it early so that it will arrive by your due date, and write your credit card number on the check for easy reference:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083
If you’ll be using the overnight address, please take note that this will not get delivered straight to a payment processing center and may not get processed the next day. To avoid this, use express mail services, such as FedEx, UPS, and DHL.
Overnight Address
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
Capital One® Spark® Miles Select for Business Alternatives
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
9 billing cycles
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When To Consider Bank of America® Business Advantage Travel Rewards World Mastercard®
- You need a 0% APR on purchases: With Bank of America® Business Advantage Travel Rewards World Mastercard®, you can enjoy 0% introductory APR on purchases for the first nine billing cycles.
- You have an existing Bank of America business checking account: You’ll earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
Other Benefits
- Lets you earn 30,000 online bonus points (worth $300 when redeemed for travel or dining) after spending $3,000 or more in the first 90 days of card ownership
- Offers 3x points on travel and hotel stays booked through Bank of America Rewards Center and unlimited 1.5x points per dollar spent on all other purchases
- Charges $0 annual fee
It is also one of our top business credit cards for the self-employed, especially those who travel frequently. If you want more options from Bank of America, check out our best Bank of America business credit cards guide.
card_name
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
When To Consider card_name
- You need a high credit limit: As our leading high-limit business credit card, you can possibly get a high credit limit with card_name. It offers rich ongoing rewards and a lucrative 100,000 bonus points (equivalent to $1,000 cash back or $1,250 toward travel) when you meet the spending requirements.
- You have significant expenses on online advertising, telecommunication services, and travel: It offers 3x points per dollar spent on online advertising, travel, shipping, internet, cable, and phone services on up to $150,000 in combined purchases per year (then you can earn 1x point per dollar when the cap is met).
Other Benefits
- Provides 25% more value for your reward points when you redeem them for travel through the Chase Ultimate Rewards®
- Charges a low annual fee
- Doesn’t charge foreign transaction fees on international purchases
It is our top-recommended business credit card for travel because of its generous rewards and perks. Note, however, that it doesn’t offer an interest-free financing option. To see more alternatives from this issuer, head over to our roundup of the leading Chase business credit cards.
U.S. Bank Business Altitude Connect™ World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Pros
Cons
Pros
Cons
When To Consider U.S. Bank Business Altitude Connect™ World Elite Mastercard®
- You want to access airport lounges: If you want to be comfortable while waiting for your flight, U.S. Bank Business Altitude Connect™ World Elite Mastercard®, one of our recommended business credit cards with lounge access, is a great choice. It comes with an annual membership for Priority PassTM Digital—it lets you access over 1,300 VIP lounges worldwide, with four complimentary visits per calendar year.
- You have significant expenses on fuel: If your business also requires you to be on the road frequently, you can benefit from the card’s premium rewards rate on gas. It gives you 4x points on airfare, hotels, gas, and electric vehicle (EV) charging services on the first $150,000 in combined annual purchases, making it one of our top business fuel credit cards.
Other Benefits
- Offers up to 5x points, depending on the expense categories
- Lets you earn 60,000 bonus points when you meet the spending requirements
- Comes with a low annual fee, which is waived for the first year
- Charges no foreign transaction fees on international purchases
- Features ExtendPay® Plan, which allows you to divide your eligible purchases into equal monthly installments without interest (just a fixed monthly fee)
- Gives you $25 statement credit after every three consecutive monthly taxi or rideshare card transactions
It is one of our top business credit cards that don’t report to personal credit bureaus, making it an ideal choice if you don’t want your business transactions to affect your personal credit score. Find other options from the provider by reading our guide to the best U.S. Bank business credit cards.
Frequently Asked Questions (FAQs)
To apply for a Capital One business credit card, you need to provide the following information:
- Legal business name
- Business address
- Business tax ID number (TIN)
- Legal names, addresses, and Social Security numbers of all business owners
According to the Capital One website, the application process only takes around 10 minutes, and you’ll typically get a decision in just a few seconds. However, it’s worth noting that you need to have excellent credit to qualify. If your credit score meets the credit requirements and you have all the needed information ready, you’ll most likely find out if you are approved or not a few minutes after your submission.
Currently, there are 17 travel loyalty programs under Capital One where you can transfer your miles to:
- Accor Live Limitless
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Air Canada Aeroplan
- Asia Miles
- Avianca LifeMiles
- British Airways Avios
- Choice Hotels® (Choice Privileges®)
- Emirates Skywards
- Etihad Airways
- EVA Air Infinity MileageLands
- Finnair
- Qantas
- Singapore Airlines KrisFlyer
- TAP Air Portugal Miles&Go
- Turkish Airlines Miles&Smiles
- Virgin Red
Bottom Line
The Capital One® Spark® Miles Select for Business is best for business owners who prefer to earn fixed-rate travel rewards. What’s great about this card is that it doesn’t charge annual, foreign transaction, or balance transfer fees. However, it doesn’t offer interest-free financing on purchases and balance transfers and access to airport lounges. Plus, you’ll need an excellent credit score to qualify.
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