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You are here: Home / Credit Cards / Capital One Spark Miles for Business Credit Card

Capital One Spark Miles for Business Credit Card

April 28, 2022 by Matthew Chaffin

The Capital One Spark Miles for Business offers 2x rewards on every purchase made, with no spending cap. This card will appeal to small business owners who travel frequently. There is $0 intro annual fee for the first year; $95 after that.

Capital One Spark Miles for Business
Learn More
Our Rating
4.7/5.0
Welcome Offer
50,000 Miles
Annual Fee
$95
0% on Purchases
None
Rewards Rate
2x
0% on Balance Transfers
None

Rewards

2x points
All eligible purchases
Earn unlimited 2X miles on every purchase

Signup Bonus

Earn 50,000 bonus miles after spending $4,500 within your first 3 months.

Pros & Cons

Pros

  • $0 Intro annual fee for the first 12 months of account opening
  • High reward earnings
  • Miles can be transferred to travel partners
  • No earning cap
  • Sign-up bonus
  • Earn 2x rewards on every purchase made

Cons

  • $95 annual fee (after 12 months)
  • High APR
  • Requires excellent credit score

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal
BenefitsExtended Warranty Coverage
Travel PerksAirport Lounge Access

Interest Rates & Fees

Annual Fee$0 intro for first year; $95 after that
Foreign Transaction FeeNone
Regular APR25.24% (V) APR

What Credit Score is Required to Get the Capital One Spark Miles for Business

Based on data we’ve collected from public forums, a credit score of 700 or higher is ideal. Keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved11/19/2019
713
Experian
$30,000
Approved11/19/2019
728
TransUnion
$30,000
Approved11/19/2019
734
Equifax
$30,000

Related Articles

  • 22 Best Small Business Credit Cards of March 2023
  • Best Capital One Credit Cards (2023)

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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