Capital One Spark Miles for Business

Best for unlimited business purchases

Managing your business finances is already tough, so why open a credit card that will make budgeting even more confusing? With the Capital One Spark Miles for Business, you'll earn a solid 2 miles per dollar on every purchase, so you can rest easy knowing you're maximizing every expense without keeping up with complicated credit card rewards. (Partner offer)

At a glance

  • 2X 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.
50,000 miles
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
20.99% (Variable)
29.40% (Variable)
26.99% (Variable)
20.99% (Variable)
N/A
N/A
$0 intro for first year; $95 after that
  • 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

At a glance

  • 2X 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.
50,000 miles
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
20.99% (Variable)
29.40% (Variable)
26.99% (Variable)
20.99% (Variable)
N/A
N/A
$0 intro for first year; $95 after that
  • 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
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Our Take

TPG Editor's Rating

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4/5

Overview

Business credit cards can unlock all sorts of rewards, and with the Capital One Spark Miles for Business, you'll earn miles that can help you earn free travel. You can redeem your miles through the Capital One portal for virtually any flight, hotel, vacation packages and more. To get even more value, transfer your miles to Capital One's 15+ airline and hotel programs. To top it all off, enjoy no foreign transaction fees and reimbursement for Global Entry or TSA Precheck. (Up to $100)

Pros

  • You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $850 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.

Who is this card good for?

For business owners with unpredictable expenses, most business cards can’t help you maximize your purchases since the bonus categories are so rigid. With the Capital One Spark Miles for Business, you won’t have to worry about this, as you’ll earn 2 miles per dollar no matter how much your business changes month to month.

Earning Rewards

With the Capital One Spark Miles for Business, you’ll earn 2x on all your purchases, with no limits, categories or bonuses to keep up with.

Frequently asked questions