Advertiser & Editorial Disclosure

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Earn 2 miles per $1 on every purchase, every day. Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening. Miles won’t expire for the life of the account, and there are no categories to limit where or what you buy. $0 intro annual fee for the first year; $95 after that. There’s no limit to the amount of miles you can earn. Redeem miles for travel, cash back, gift cards and more. No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. Fraud Coverage – You’re covered by $0 Fraud Liability if your card is ever lost or stolen. Quarterly and year-end summary – Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time. Travel & Emergency Assistance – Available 24/7 to help connect you with local emergency and assistance resources when you’re away from home. Warranty Manager/Extended Protection – Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card. Complimentary Concierge Service – Available 24/7 this service can help you with entertainment, dining, travel and even finding the perfect gift. Auto Rental Insurance – Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss. Roadside Assistance – Take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery and more. Lost Luggage Replacement – You may be eligible for reimbursement due to theft or misdirection. Purchase Security – Eligible purchases are replaced, repaired or reimbursed for the first 90 days.

8/10

Cost
40% Complete
High Low
Effort to Apply
100% Complete
Difficult Easy
Card Perks
80% Complete
Poor Good
Features
60% Complete
Poor Good

Bottom Line

A good option for businesses that want to earn rewards at a higher rate, as long as you pay on time.

Pros

A great intro rewards offer with rewards flexibility, solid benefits, for those with excellent credit.

Cons

Above average interest rate, steep penalties for late payments, annual fee after the first year.

Features & Benefits

Fraud Coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen

Penalty APR
30.4% (Variable)
Cash Advance APR
23.99% (Variable)
Balance Transfer APR
17.99% (Variable)
Purchase APR
17.99% (Variable)
Late Payment Fee
Up to $39
Annual Fee
$0 intro for first year; $95 after that
Foreign Transaction Fee
None
Over Limit Fee
None
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Welcome Offer
50000 Miles once you spend $4,500 on purchases within 3 months from account opening
Rewards Rate
2 Miles per $1 on every purchase, every day

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.



June 30 2017

Mile redemption is super easy and can be applied towards ANY and ALL travel charges!

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