Capital One Spark Miles Select Business Card

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welcome offer

Earn 20,000 points after $3,000 spent within the first 3 months. Intro 0% APR for 9 months on purchases.

Bonus Cash Value

Approximately $200*

Annual Fee

$0

Card Rewards

5 points at hotels and rental cars booked through Capital One travel

Unlimited 1.5 points 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 Select Business card is the non annual fee version of the Spark family. It offers 1.5 rewards on all purchases plus many great benefits like auto rental insurance, price protection, and more.

Card-Smart Tips & Advice
  • Excellent credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • Capital One business credit cards will report on your personal credit report
  • You can only get approved for 1 Capital One card every 6 months
  • 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 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
Welcome Offer Eligibility
The welcome bonus may not be available for existing or previous Spark cardholders.
Card Details And Benefits
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Cell Phone 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).
 

Additional Resources

Compare Cards

CardCapital One Spark Miles Select Business Card
Welcome BonusEarn 20,000 points after $3,000 spent within the first 3 months. Intro 0% APR for 9 months on purchases.
Annual Fee$0
Rewards- 5 points at hotels and rental cars booked through Capital One travel - Unlimited 1.5 points on all purchases
No Foreign Transaction FeeNone
Auto Rental Collision InsuranceSecondary coverage for collision damage and theft on rentals up to 31 days if rented for business purposes (max MSRP $50,000)
Travel Accident InsuranceGet coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $250,000 in compensation.
Lost Luggage ReimbursementUp to $3,000 per person for lost luggage (max $2,000 for NY residents)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less. Max $10,000 each claim and $50,000 per cardholder.
Cell Phone ProtectionGet reimbursed for up to $800 per claim with a $50 deductible if your cell phone breaks or is stolen. To activate coverage you need to pay your monthly cell phone bill with your credit card. (max $1,000 or two claims per year, whichever is less).
Purchase ProtectionGet refunded if your purchase is damaged or stolen for up to 90 days from the date of purchase. Max $10,000 per claim ($50,000 per cardholder)
Price ProtectionIf you buy an item and then within 60 days find the identical item listed at any US retailer for cheaper then you will be reimbursed the difference up to $500 per item and up to $2,500 per year.
Authorized User Fee$0

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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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