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Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

Earn 1.5 miles per $1 on every purchase, every day. Plus, a one-time bonus of 20,000 miles once you spend $3,000 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. Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that. Pay no annual fee or foreign transaction fees. Get online Quarterly and Year-End Summaries. There’s no limit to the amount of miles you can earn. 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. 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
80% Complete
High Low
Effort to Apply
100% Complete
Difficult Easy
Card Perks
80% Complete
Poor Good
Features
80% Complete
Poor Good

Bottom Line

A good option for businesses that are ok with a slightly lower rewards rate in exchange for a lower APR.

Pros

A great intro offer with rewards flexibility, solid benefits, and a competitive APR for those with excellent credit.

Cons

Steep penalties for late payments.

Features & Benefits

Fraud Coverage

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

Intro Purchase APR
0% on purchases for 9 months
Purchase APR
13.99% - 21.99% (Variable)
Cash Advance APR
23.99% (Variable)
Balance Transfer APR
13.99% - 21.99% (Variable)
Penalty APR
30.4% (Variable)
Late Payment Fee
Up to $39
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Annual Fee
$0
Over Limit Fee
None
Foreign Transaction Fee
None
Welcome Offer
20000 Miles once you spend $3,000 on purchases within 3 months from account opening
Rewards Rate
1.5 Miles per $1 on every purchase, every day

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