Advertiser & Editorial Disclosure

Capital One Spark Miles for Business

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. Unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Transfer your miles to 15+ travel loyalty programs. 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 PreCheck® 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.

Nav's Verdict

40% Complete
Effort to Apply
100% Complete
Card Perks
80% Complete
60% Complete


Bottom Line

A good option if your priority is to accumulate travel points. Comes with a strong one-time bonus. Miles don't expire.


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


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

Features & Benefits

Fraud Coverage

$0 Fraud Liability for unauthorized charges

Rates and Fees
Intro APR
Purchase APR
26.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Welcome Offer
50,000 Miles once you spend $4,500 on purchases within 3 months from account opening
Rewards Rate
2 Miles per $1 on every purchase, everywhere.
Foreign Transaction Fee


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