Current Offers for Capital One Spark Business Cards

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After a massively popular second run with huge limited-time offers, the Capital One® Spark® Miles for Business and Capital One® Spark® Cash for Business cards, have come back down to earth with the standard offer of 50,000 miles or $500 cashback after meeting minimum spending requirements.

While the current offers aren't above average, these two cards are still a good potential fit for business owners that prefer a simple rewards structure with a great earning rate on all purchases.

Earn 50,000 Miles or $500 Cash Back

The Capital One® Spark® Miles for Business card is offering a welcome bonus of 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening.

Since this card earns 2x Capital One miles per dollar spent on all purchases, when you reach the $4,500 minimum spending requirement, you'll end up with a total of 59,000 miles.

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening
The Capital One® Spark® Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠

The cashback version of the card, the Capital One® Spark® Cash for Business, is offering a welcome bonus of $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening.

Since this card earns 2% cash back on every purchase, when you reach the $4,500 spending requirement, you'll end up with a total of $590 cash back.

Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
The Capital One® Spark® Cash for Business provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, here is no cap on the cash back you can earn, plus the card offers an initial welcome offer of $500 cash back.
  • $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
  • 2% cash back for your business on every purchase, everywhere
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 % Cash Back for your business on every purchase, everywhere.

Which Offer is Better?

Before the introduction of airline transfer partners for Capital One miles, the clear choice for a better welcome bonus would have been $500 cash back with the Spark Cash card. However, now that miles transfer to partners, the potential value of 50,000 miles earned with the Spark Miles card is significantly higher.

We've put together a complete guide to Capital One transfer partners that will help you decide whether the Spark Miles card is a better fit.

If you choose the miles option and earn the full welcome bonus, 59,000 Capital One miles will convert to ~44,000 airline miles with 12 of the 15 partner programs. (Capital One Miles transfer to the final three partner programs—JetBlue TrueBlue, Singapore KrisFlyer, and Emirates Skywards—at an inferior 2:1 ratio, so 59,000 miles would only get you 29,500 miles with any of those programs.)

You can generate up to 44,000 airline miles by transferring your bonus to airline partners, and potentially get substantially more value than the $500 bonus with the right redemption.

Our Take

While there is no guarantee that the huge welcome offers we saw at the end of 2018 and 2019 will repeat this year, it would be wise to look at our list of the top business card offers before pulling the trigger on one of the Spark business cards. Good timing is key to maximizing your points, and there's a good chance you'll find a more lucrative welcome bonus if you can afford to be patient.

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening
The Capital One® Spark® Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠

Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
The Capital One® Spark® Cash for Business provides a strong return on business expenses of 2% on every $1 spent. Unlike many other cash back business cards, here is no cap on the cash back you can earn, plus the card offers an initial welcome offer of $500 cash back.
  • $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
  • 2% cash back for your business on every purchase, everywhere
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 % Cash Back for your business on every purchase, everywhere.

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Comments

  • Kripal Singh says:

    too much spending required .

    • ^what he said

    • I agree. The bonus is temptingly large, but I can’t manage that much spend personally or through MS’ing. Too bad.

    • Agreed. $50k spend would be better used on multiple sign-ups. That figure would cover more than 10 apps, and would easily (and conservatively) net over 500,000 points/miles. These offers really have to make sense to someone for other reasons to make it worthwhile.

  • Does anyone have any data on manufactured spending with these cards? I have the Capital One Venture card and have MS’d fairly heavily without issue. I am looking for data points on any of the cards mentioned above.

  • That is a lot of spend… but those points…. droolllll!!!!!!!

  • Great offer if you can make the spend!

  • Steven William Van Meter says:

    By my reckoning, this is the second time Capital One has increased these offers to this level, matching the highest-ever welcome bonus I’ve seen on any credit card.I didn’t take advantage last time, but I;ll try this time.

  • Wow what a sign up bonus! That does catch your eye. I do agree about the spending. That is an incredible amount. I wonder if Capital One is trying to see who is a big spender and try to catch them. Maybe they would be offering other things to them if they spend a lot with the company?

  • Agree its a high spend requirement but look at the point rewards.

  • I would love to get these cards but Capital One doesn’t like to approve me for credit cards despite my having accounts with them for years.

  • Just right after their cards stopped working with Plastiq…

  • Near-perfect credit score, and Capital One remains my only rejection to date…

  • way too much spend to manage when now MS is super hard

  • Wow. That’s an insane level of spending.

  • 300k not bad if you can easily make the spend

  • This almost makes me want to start that business I’ve been thinking. All the business card rewards are so tempting!

  • If you have plenty of spend each year and you are over your bonus areas of other cards these bonuses are possibly worthwhile.

  • 300,000 miles is a smarter bet!

  • spend requirement is out of reach for most small businesses.

  • In fact, they are too much spent, but the points are very desirable. Each decides according to their spending and goals.

  • Dexter Ohama says:

    The $3k minimum spend may be a bit steep for some but we just place EVERYTHING we can in those 3 months that we can on the card & it will come out without a problem. This is a good offer from Capital One. Taking advantage of this one.

  • The bottom line on these Capital One offers is that the 50K points on the first $5K in spending is worthwhile on its own, while the value of the added bonus of 3 add’l points per mile beyond their already generous 2 points per dollar spent is questionable when you need to accumulate such high $50K in spending in a 6 month term. Not too many cards out there offer the basic 2% cash rebate you can earn on this on general spending without any point conversion.

  • can someone confirm if Capital One Biz cards count towards 5/24? I believe I found a source saying they don’t, but looking for a recent DP if available

    • I’ll defer to folks with recent DPs, but I believe Capital One does report new business accounts on your personal credit report, so they will likely count against you for 5/24.

  • Way too much spend for most small business.

  • Reward is enticing but the minimum spending kills it unless you’re crazy rich or have a huge business already

  • I have to admit, while the 300,000 miles offer is really enticing, it will be very challenging to hit that $50,000 spending target for most. The exception would be business owners or employees with very high expenses that they charge (a lot of high-ticket sales executives might be able to do it). Great offer for those who can realistically do it!

  • Great bonus but that spending requirement is way too high

  • I have to admit that at first glance this sounds very tempting and since the holidays are here, it is possible for those that MS.
    But I have to agree with other readers here that the same result can be achieved by applying to a few cards that together will require less spend.
    But I can see a scenario that a person that can’t get Chase cards (5/24) and can’t get bonuses from AMEX due to the lifetime restriction, will get it to get miles in Star Alliance for example.

  • Albert C Rollins says:

    That spend is a killer, only a few can come up with it, this is not a card for everyone.

  • good to know that other cards are out there with better deals.

  • Elizabeth Smith says:

    I am actually looking for a business credit card. this seems to be a good deal! I’ll have to look into it.

  • I had a nightmare trying to get Capital One to live up its agreement for the $500 cash back. I ended up giving up and cancelling the card. I was assured that I had reached the spending minimum by two representatives before the three months. Based on that information I stopped spending. It turned out that the $500 included the charge for the card itself, which in the fine print is not included. Beware.

    • That experience with the representatives and their representations to you would have driven me absolutely nuts. However, I believe it is standard that the card fee is not included in spending requirements.

  • The spend requirement is too high for most people

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