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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 $0 annual, balance transfer, and foreign transaction fees.
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| Intro APR | None |
|---|---|
| Regular APR | 17.49% to 23.49% variable |
| Annual Fee | $0 |
| Credit Needed | Excellent |
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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
- Capital One® Spark® Miles Select for Business Rewards
- Capital One® Spark® Miles Select for Business Features
- Capital One® Spark® Miles Select for Business Fees
- Capital One® Spark® Miles Select for Business Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
If this isn’t the card for your business, head over to
below to find one that’s a good fit.
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.
Capital One® Spark® Miles Select for Business Rewards Calculator
Your potential annual reward earnings are:
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®
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 18.49% - 28.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
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
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
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
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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.
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.
