Editorial and Partnership Disclosure 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. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
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 $0 annual, balance transfer, and foreign transaction fees.
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
- Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- 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 of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- 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.
The Fit Small Business editorial policy is rooted in the company’s mission, which is to deliver the best answers to people’s questions. This serves as the foundation for all content, demonstrating a clear dedication to providing valuable and reliable information. Our team leverages its expertise and extensive research capabilities to identify and address the specific questions our audience has—and this ensures that our content is rooted in knowledge and accuracy.
In addition, we employ a comprehensive editorial process that involves expert writers. This process ensures that articles are well-researched and organized, offering in-depth insights and recommendations. Fit Small Business maintains stringent parameters for determining the “best” answers, including accuracy, clarity, authority, objectivity, and accessibility, and these see to it that our content is trustworthy, easy to understand, and unbiased.
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 the Capital One® Spark® Miles Select for Business Is Best For
- Those 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.
- Those 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.
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
Redeem your earned Capital One Spark Miles Select rewards through either the Capital One website or the mobile app. If you redeem it 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:
- 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® 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.
Account Protection & Management
- 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.
- 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): 18.49%, 21.49%, or 24.49% variable (based on creditworthiness) which adjusts based on prime rate
- Cash advance: 32.24% variable, which adjusts based on prime rate
- Penalty: 34.65% 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: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Late payment: Up to $39
Your due date is at least 25 days after the close of each billing cycle.
- 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: When sending overnight, use this address:
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Suite 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.
This card is a great alternative if you have an existing Bank of America checking account (read our Bank of America business checking review), as you can earn up to 75% more points (or up to 2.62 additional points) for every dollar spent through its Preferred Rewards for Business Program. It also lets you enjoy a 0% introductory period on purchases for the first 9 billing cycles.
U.S. Bank Business Altitude® Connect Visa Signature® Card
U.S. Bank Business Altitude® Connect Visa Signature® Card
- Limited Time Offer: Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- Limited Time Offer: Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
It’s a great option if you’re looking for generous rewards and travel perks and complimentary access to over 1,700 VIP airport lounges worldwide. While it charges an annual fee of $95 (waived for the first year), you still get up to 5x points on selected spending categories and the ability to pay off eligible purchases in monthly installments through the U.S. Bank’s ExtendPay® Plan.
card_name
card_name
BEST FOR:
Those who frequently travel
- 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
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- 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.
- 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
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- 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.
If you are looking for an alternative Capital One travel business credit card, then we suggest card_name. While it charges a high annual fee of annual_fees, you get up to 10x miles on selected spending categories, complimentary access to Capital One Lounges, and no present spend limit.
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 16 travel loyalty programs under Capital One where you can transfer your miles to:
- Aeromexico Club Premier
- Air Canada ‒ Aeroplan®
- Cathay Pacific ‒ Asia Miles
- Avianca LifeMiles
- British Airways Executive Club
- Choice Privileges®
- Emirates Skywards
- Etihad Guest
- Finnair Plus
- Flying Blue
- Qantas Frequent Flyer
- Singapore Airlines KrisFlyer
- TAP Miles&Go
- Turkish Airlines Miles&Smiles
- Virgin Red
- Wyndham Rewards
Bottom Line
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.
