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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Capital One Spark Miles for Business credit card review: Double miles on everything
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
September 28, 2025 • 7 min read
GEORGIJEVIC/GETTY IMAGES
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Quick summary
A business credit card previously offered double miles on all purchases and access to over 15 transfer partners for travel redemptions.
The product included a modest annual fee after the first year and offered perks such as no foreign transaction fees, Global Entry or TSA PreCheck credits and business management tools.
Employee cards could be added at no extra cost, with features like spending limits and account management delegation.
The card is no longer available to new applicants, but its straightforward earning and redemption options made it appealing for business travelers.
What to consider
The product's annual fee was waived for the first year, then applied in subsequent years.
Miles could be redeemed at a fixed value for travel or transferred to loyalty partners for potentially higher value.
No bonus categories beyond travel bookings through the issuer's portal limited extra earning potential for specific business expenses.
What you'll miss from the article
A detailed comparison of similar business cards and guidance on maximizing travel redemptions through transfer partners.
Generated by AI with support from our editorial team.
The Capital One Spark Miles for Business (no longer available) is a solid business credit card, offering double miles across every purchase. Miles can be transferred to any of Capital One’s 15-plus partners, and you’ll pay a low annual fee of $95 ($0 introductory annual fee for the first year). Card Rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
If your small business involves travel or you want to provide travel perks to yourself or your employees by using the miles earned on business spending, the Capital One Spark Miles for Business can offer a lot of value.
TPG recommends a credit score of 670 to increase your chances of getting approved.
Here's what you need to know about the Capital One Spark Miles for Business before applying.
The information for the Spark Miles for Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Spark Miles For Business pros and cons
Pros
Cons
Access to Capital One transfer partners
Earns 2 miles per dollar on all purchases
No annual fee in the first year
Has an annual fee after the first year
No bonus category earnings outside of Capital One Business Travel
Spark Miles For Business welcome offer
The Capital One Spark Miles for Business isn't currently available to new applicants. So, you can't apply for this card and earn a welcome bonus.
The Spark Miles for Business doesn’t offer as many benefits as some pricier business cards, but it still offers solid perks for a card with a sub-$100 annual fee product.
One useful perk is an up to $120 statement credit every four years for a Global Entry or TSA PreCheck application fee. Both programs can make travel easier, and you only need to pay the application fee with your Spark Miles card for the credit to trigger (typically within 2 billing cycles).
If you already have memberships with these programs, you can use the credit for an employee instead.
WYATT SMITH/THE POINTS GUY
When you use your Spark Miles for Business card to buy eligible items, you’ll receive extended warranty protection in addition to the following benefits that may be particularly useful for small businesses:
Account and business management tools: Pick your own monthly due date, set up auto-pay and download year-end itemized spending reports.
Ability to assign an employee as an account manager: This employee can then make purchases and payments and review transactions.
Hertz Five Star status: Receive status with Hertz, skip the counter and select locations and choose from a wider selection of rental cars.*
No fee employee cards: Add employees as authorized users and set spending limits for their cards.
No foreign transaction fees: Make purchases overseas without accumulating extra charges just because you’re out of the country.
*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
The beauty of the Spark Miles for Business is its straightforward earning structure. You’ll earn 2 miles for every dollar spent with no annual cap, plus 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
HERTZ
Although it keeps things simple, the lack of extra bonus categories means that there are more rewarding options for business-specific spending, such as office supplies.
You can redeem your miles with Capital One's 15-plus transfer partners to elevate your business travel.
Take TPG contributing editor Matt Moffitt, who leverages Capital One’s transfer partners for redemptions, such as Lufthansa first-class award seats between the U.S. and Europe for 116,000 Capital One miles when booking through Avianca LifeMiles.
ZACH HONIG/THE POINTS GUY
Transferring your miles will get you the most bang for your buck, but if you're after simplicity, you could redeem your miles at a fixed value of 1 cent apiece toward travel purchases. You can use your miles when booking new travel through Capital One, or you can use your miles to pay for any eligible, recent travel purchase you’ve made with the card.
If you prefer American Express: doesn’t have an annual fee (see rates and fees) and earns 2 points per dollar spent on purchases (up to $50,000 per calendar year, then 1 point per dollar). Keep in mind that this card isn't ideal for purchases made abroad since it charges a 2.7% fee on foreign transactions (see rates and fees). To learn more, read our full review of the Blue Business Plus.
If you don’t want an annual fee: Consider the Capital One Spark Miles Select for Business (no longer available). This card earns 1.5 miles per dollar spent on all purchases and carries similar benefits to the Spark Miles for Business, including no foreign transaction fees, but doesn’t charge an annual fee. To learn more, read our full review of the Spark Miles Select for Business.
The information for the Capital One Spark Miles Select for Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Spark Miles for Business is a decent card for business owners and managers who don't want to track bonus categories and want a simple way to track expenses all for an affordable annual fee.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of the Blue Business Plus Card, click here.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
