Capital One® Spark® Miles for Business

Disclaimer: The information for the Capital One® Spark® Miles for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Learn more about Capital One® Spark® Miles

Learn More

Compare Business Credit Cards
Compare Business Credit Cards

• Overview
• Interest Rates and Fees
• Compared to Ink Business Preferred

Capital One® Spark® Miles for Business is a Business Visa card with $0 intro annual fee for first year; $95 after that.

	Regular APR
Purchases	19.24% (Variable)
Balance Transfers	19.24% (Variable)

Rewards & Benefits


Introductory Bonus Airline Rewards
Earn 50,000 miles after you spend $4,500 on purchases within the first 3 months

Travel Rewards
Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.
Read: 3 Mistakes People Make with Their Travel Credit Card
Compare: Capital One Spark Miles vs Ink Business Preferred

Airline Rewards
Earn 2 miles per dollar on every purchase
Read: Airline Miles for Beginners
Compare: Capital One Spark Miles vs American Express Business Platinum

$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you will not be liable for those charges.
Read: 5 Benefits to Credit Cards with $0 Fraud Liability
Compare: Capital One Spark Miles vs Business Gold Card
Smart Chip

Read: What Are Chip Credit Cards

Interest Rates & Interest Charges

• Annual Percentage Rate (APR) for Purchases
  APR will be 19.24% (Variable) based on your creditworthiness and other factors.
• Annual Percentage Rate (APR) for Balance Transfers
  APR will be 19.24% (Variable) based on your creditworthiness and other factors.
• Paying Interest for Purchases
  You usually have at least 25 days after the close of each billing cycle to pay your entire balance to avoid interest.
• Paying Interest for Balance Transfers
  Usually, interest begins charging on the transfer transaction date.
• Paying Interest for Cash Advances
  Usually, interest begins charging on the cash advance transaction date.

Fees

• Annual Fee
  $0 intro annual fee for first year; $95 after that
• Balance Transfer Transaction Fee
  No balance transfer fee
• Cash Advance Transaction Fee
  Either $10.00 or 3% of the amount of each cash advance, whichever is greater.
• Foreign Transaction Fee
  No foreign transaction fee
• Late Payment Fee
  Up to $39

	Capital One® Spark® Miles for Business	Ink Business Preferred℠ Credit Card
		Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open No foreign transaction fees Employee cards at no additional cost $95 Annual Fee
	Interest Rates and Fees
Purchase APR	19.24% (Variable) based on your creditworthiness and other factors	18.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	19.24% (Variable) based on your creditworthiness and other factors	18.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfer Fee	No balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee	$0 intro annual fee for first year; $95 after that	$95 annual fee
	Benefits and Features
Introductory Bonus Airline Rewards	Introductory Bonus Airline Rewards: Earn 50,000 miles after you spend $4,500 on purchases within the first 3 months
Introductory Bonus Reward Points		Introductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards	Travel Rewards: Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.	Travel Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. 1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards	Airline Rewards: Earn 2 miles per dollar on every purchase	Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards		Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards		Point Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Airline Transfer Partners		Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One Spark Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on January 29, 2019 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Capital One® Spark® Miles for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Complete Card Details

• Pricing information including interest rates, rewards, benefits and fees was obtained on January 29, 2019 from published websites and is believed to be accurate, but not guaranteed.
• While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One.

Recent Mentions

Capital One Business Credit Card
April 5, 2018 - Reviews for Capital One Credit Cards
Capital One is offering promotions for small business credit card applicants. Read the latest reviews and score the best deals with this guide.

Capital One Credit Card Offers
January 17, 2018 - Reviews for Capital One Credit Cards
Capital One is offering lucrative promotions for new credit card applicants. Which deal is right for you? Read this in-depth guide.

Compare Capital One Spark Miles to:

Ink Business Preferred℠ Credit Card Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open No foreign transaction fees Employee cards at no additional cost $95 Annual Fee Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 18.24% - 23.24% Variable $95

Capital One® Spark® Cash for Business Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 19.24% (Variable) $0 intro for first year; $95 after that

Capital One® Venture® Rewards Credit Card Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 15.24% - 25.24% (Variable) $0 intro for first year; $95 after that

Disclaimer: The information for the Capital One® Spark® Cash for Business and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Other Cards from Capital One

Capital One® Spark® Classic for Business Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 25.24% (Variable) Annual Fee $0

Capital One® Spark® Cash Select for Business Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% for 9 months N/A 15.24% - 23.24% (Variable) Annual Fee $0

Capital One® Spark® Miles Select for Business Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% for 9 months N/A 15.24% - 23.24% (Variable) Annual Fee $0

Disclaimer: The information for the Capital One® Spark® Classic for Business, Capital One® Spark® Cash Select for Business, and Capital One® Spark® Miles Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.