Capital One Spark Miles for Business Credit Card

The card_name is a designed for small business owners who want to earn travel rewards miles. It has a welcome offer that’s worth at least $250 if you redeem them for a statement credit, but this is the least valuable way to redeem miles. If you redeem them for travel they will be worth more. You’ll also earn 2x miles on every purchase, plus you get a $100 Global Entry/TSA PreCheck credit. The annual fee is waived for the first year. We dive into the details and your approval odds in this Spark Miles review.

Our Rating

4.7/5.0

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel

Annual Fee

$0 intro for first year; $95 after that

0% Intro on Purchases

N/A

Reward Rate

2x to 5x miles

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening

Editorial Review

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, TSA PreCheck & Global Entry credit

Rewards

2x miles
All eligible purchases
Earn unlimited 2X miles on every purchase
5x miles
Hotels
Earn 5x on hotels booked through Capital One
5x miles
Rental Cars
Earn 5x miles on rental cars booked through Capital One Travel

Interest Rates & Fees

Annual Fee$0 intro for first year; $95 after that
Foreign Transaction FeeNone
Regular APR26.24% (V) APR

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

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 713

Average Approved Credit Score: 725

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

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 2% cash back
Cons
  • Annual fee

What Are the Best Alternatives?

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express

Rating

4.5

Rewards Range

1x to 5x Points

Annual Fee

$695

Related Articles