Capital One Spark Miles for Business

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welcome offer

Earn 50,000 points after $4,500 spent within the first 3 months.

Bonus Cash Value

Approximately $500*

Annual Fee

$95 (waived 1st year)

Card Rewards

5 miles on hotel and car rental bookings through Capital One travel

2 miles on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Capital One Spark Miles for Business card is the better of the two Spark cards for traveling. It earns 5 miles on hotels and car rentals if booked through Capital One. As well, earn 2 miles on every dollar spent. You will receive a statement credit for Global Entry or TSA Precheck. It’s also one of the only credit cards that still have the price protection benefit.

Card-Smart Tips & Advice
  • Excellent credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • You can only get approved for 1 Capital One card every 6 months
  • Capital One business credit cards report on your personal credit report
  • Capital one will do a hard credit inquiry by all three credit bureaus (You can freeze one credit report and still get approved)
  • You can check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • If declined you can call 1 800 6257866 to be reconsidered. (Capital One will usually only reconsider due to application error)
Welcome Offer Eligibility
You can earn the welcome bonus again even if you received the bonus in the past
Card Details And Benefits
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection
  • Price Protection

Covid-19 Temporary Benefits

  • Due to Covid-19, Capital One now offers points to be valued at 1.0 cents each to offset purchases at eligible restaurants, including takeout and delivery, and on purchases made from eligible wireless phone service providers, such as Verizon, AT&T, and T-Mobile. (Expires 04/30/2021).
 

Compare 2% Cashback Cards

 
Citi Double CashAmex Blue Business PlusCapital One Spark MilesCapital One Venture
Welcome offerN/AEarn 10,000 points after $3,000 spent within the first 3 monthsEarn 50,000 miles after $4,500 spent in the first 3 months50,000 points after $3,000 spent in the first 3 months
Intro 0% APR18 months on balance transfers12 months on balance transfers and purchasesN/AN/A
Card typePersonalBusinessBusinessPersonal
Rewards2% cash back on all purchases2 points on up to $50,000 spent annually2% cash back on all purchases2 points on all purchases
Annual fee$0$0$95-first year waived$95
Auto rental insuranceN/ASecondary Auto rental insurancePrimary coverage for domestic and international if the rental is for business purposes and secondary coverage for personal reasons (up to 31 days)Secondary coverage for collision damage and theft on a domestic rental (up to 15 days) and primary coverage for international rentals (up to 31 days)
Extended warranty protectionN/AFor one yearDoubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim Doubles the length of the manufacturer’s warranty up to one additional year ( the original warranty must be for a maximum of 3 years) up to $10,000 per claim
Purchase protectionN/AFor 90 days, covers theft or damage up to $1,000For 90 days, covers theft or damage up to $10,000 per claimFor 90 days, covers theft or damage up to $500 per claim
foreign transaction feeyesyes nono
Travel accident insuranceN/AN/AUp to $250,000Up to $250,000
Lost luggage reimbursementN/AN/AReceive up to $3,000 ($2,000 for NY residents) Receive up to $3,000 ($2,000 for NY residents)
Price protectionN/AN/AIf there’s a cheaper advertised price within 60 days then you’ll get reimbursed up to $250 per item up to $2,500 per yearN/A
$100 credit towards global entry or TSA pre-checkN/AN/AYou can receive this benefit once every 4 yearsYou can receive this benefit once every 4 years
 

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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