{"id":119116,"date":"2025-10-04T18:00:01","date_gmt":"2025-10-04T18:00:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=119116"},"modified":"2026-04-17T14:09:24","modified_gmt":"2026-04-17T14:09:24","slug":"spark-miles","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-miles\/","title":{"rendered":"Capital One Spark Miles Review: Great Earnings on Everyday Spending"},"content":{"rendered":"<p>The <b>Capital One Spark Miles for Business<\/b> earns an unlimited 2x miles on all purchases, plus 5x on vacation rentals, hotels, and rental cars booked through the Capital One Travel portal. Much like the consumer-oriented <a data-ccid=\"3006151\" href=\"\/blog\/link\/CR-COV\" rel=\"noopener nofollow sponsored\">Capital One Venture Rewards Credit Card<\/a>, the Spark Miles for Business card earns miles that can be transferred to airline and hotel partners and charges a $ annual fee. However, unlike the Capital One Venture, this small-business card charges a $0 intro fee during the first year.<\/p>\n<p>For those with significant business spending that doesn't fall into bonus categories on other credit cards\u2014or those who like the simplicity of earning unlimited 2x miles on every purchase\u2014the Spark Miles card can be an excellent option. Let's break down the pros, cons, and benefits of this card.<\/p>\n<p><div class=\"qs-card\" data-id=\"265\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">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). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Spark_Miles_Pros\">Spark Miles Pros<\/a><\/li><li><a href=\"#Spark_Miles_Cons\">Spark Miles Cons<\/a><\/li><li><a href=\"#Spark_Miles_Welcome_Offer\">Spark Miles Welcome Offer<\/a><\/li><li><a href=\"#Spark_Miles_Benefits\">Spark Miles Benefits<\/a><ul><li><a href=\"#120_Global_Entry_or_TSA_PreCheck_credit\">$120 Global Entry or TSA PreCheck credit<\/a><\/li><li><a href=\"#Airport_lounge_access\">Airport lounge access<\/a><\/li><li><a href=\"#Virtual_card_number\">Virtual card number<\/a><\/li><li><a href=\"#Free_employee_cards\">Free employee cards<\/a><\/li><li><a href=\"#Extended_warranty_protection\">Extended warranty protection<\/a><\/li><li><a href=\"#No_foreign_transaction_fees\">No foreign transaction fees<\/a><\/li><\/ul><\/li><li><a href=\"#Spark_Miles_Earning_Rates\">Spark Miles Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Capital_One_Spark_Miles\">Redeeming Capital One Spark Miles<\/a><ul><li><a href=\"#Transfer_to_partners\">Transfer to partners<\/a><\/li><li><a href=\"#Capital_One_Travel_portal\">Capital One Travel portal<\/a><\/li><li><a href=\"#Statement_credits_for_travel_purchases\">Statement credits for travel purchases<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Alternatives_to_the_Spark_Miles_Card\">Alternatives to the Spark Miles Card<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Spark_Miles_Pros\">Spark Miles Pros<\/span><\/h2>\n<ul>\n<li>Earn 2x miles on every purchase.<\/li>\n<li>Earns Capital One miles that can be transferred to 22 partners.<\/li>\n<li>Up to $120 application fee credit for Global Entry or TSA PreCheck.<\/li>\n<li>$95<\/li>\n<\/ul>\n<h2><span id=\"Spark_Miles_Cons\">Spark Miles Cons<\/span><\/h2>\n<ul>\n<li>Charges a $95 annual fee in years two and beyond.<\/li>\n<li>High (see cardholder terms) APR (Variable).<\/li>\n<li>Limited bonus categories.<\/li>\n<\/ul>\n<figure id=\"attachment_111450\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-111450 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/anete-lusina-unsplash-traveler-at-airport-featured.png\" alt=\"a traveler holding a laptop looks at flight departure screens at an airport\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/anete-lusina-unsplash-traveler-at-airport-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/anete-lusina-unsplash-traveler-at-airport-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/anete-lusina-unsplash-traveler-at-airport-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/anete-lusina-unsplash-traveler-at-airport-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Unsplash<\/em><\/enter><\/figure>\n<h2><\/h2>\n<h2><span id=\"Spark_Miles_Welcome_Offer\">Spark Miles Welcome Offer<\/span><\/h2>\nThis card is no longer available to new applicants.\n<div class=\"mceTemp\"><\/div>\n<h2><span id=\"Spark_Miles_Benefits\">Spark Miles Benefits<\/span><\/h2>\n<p>The <b>Spark Miles<\/b> card doesn't have a ton of valuable perks and business benefits, but it does provide a few that are worth noting.<\/p>\n<h3><span id=\"120_Global_Entry_or_TSA_PreCheck_credit\">$120 Global Entry or TSA PreCheck credit<\/span><\/h3>\n<p>Most travel credit cards offer up to $120 in credit for a Global Entry or <a target=\"_blank\" href=\"\/travel\/tsa-precheck\/\" rel=\"noopener\">TSA PreCheck<\/a> application fee, and this Spark Business card is no exception. These two programs allow you to speed through airport security and\/or immigration by registering you as a low-risk traveler. If you can work in the interview, skip TSA PreCheck and go straight for Global Entry since it also includes TSA PreCheck access.<\/p>\n<p>When you use your Capital One Spark Miles card to pay, you'll receive a credit reimbursing you for the cost. It's valid once every four years, which is excellent since Global Entry membership lasts for five years.<\/p>\n<h3><span id=\"Airport_lounge_access\">Airport lounge access<\/span><\/h3>\n<p>If you pass through an airport with a <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-airport-lounges\/\" rel=\"noopener\">Capital One Lounge<\/a>, you can purchase a day pass for a discounted rate of $45 per person. This rate even applies to Capital One's newly launched Landing Lounges. If you're looking for a card that offers a slew of travel benefits, including lounge access without having to pay out-of-pocket for each visit, check out the <a data-ccid=\"5048345\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x-business\/\">Capital One Venture X Business<\/a>.<\/p>\n<figure id=\"attachment_133930\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/521\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-133930 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-scaled.jpeg\" alt=\"Spark Miles for Business offers lounge access for a $45 per-person fee.\" width=\"600\" height=\"521\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-scaled.jpeg 2560w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-300x260.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-1024x889.jpeg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-768x666.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-1536x1333.jpeg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Capital-One-Lounge-Denver-Logo-full-size-2048x1777.jpeg 2048w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Carissa Rawson\/AwardWallet<\/em><\/enter><\/figure>\n<h3><span id=\"Virtual_card_number\">Virtual card number<\/span><\/h3>\n<p>Cardholders can request a <a target=\"_blank\" href=\"\/credit-cards\/capital-one-virtual-card\/\" rel=\"noopener\">Capital One virtual card number<\/a> &#8212; which is different from the number printed on the card &#8212; to use when shopping online. This prevents would-be thieves from getting your actual card details and causing damage.<\/p>\n<h3><span id=\"Free_employee_cards\">Free employee cards<\/span><\/h3>\n<p>This benefit helps you to turn everyday spending into valuable travel miles. You can track employee spending during business travel or day-to-day operations, while earning all the rewards from your business expenses, regardless of which employee swipes the card. There is no cost to add employees as authorized users.<\/p>\n<h3><span id=\"Extended_warranty_protection\">Extended warranty protection<\/span><\/h3>\n<p>Get an extra year added to the original manufacturer's warranty for items you've purchased with your card. The warranty must be three years or less to qualify.<\/p>\n<h3><span id=\"No_foreign_transaction_fees\">No foreign transaction fees<\/span><\/h3>\n<p>This is an ideal business credit card for international travel, since purchases in another country or currency will not incur any foreign transaction fees.<\/p>\n<h2><span id=\"Spark_Miles_Earning_Rates\">Spark Miles Earning Rates<\/span><\/h2>\n<p>The Spark Miles&#8216; real strength lies in its ability to earn  This is both better and worse than alternatives that earn\u00a0more travel rewards on specific categories but are less generous with the rest of your spending.<\/p>\n<p>You'll also earn 5x miles per dollar spent on hotels, vacation rentals, and rental cars booked through Capital One Travel\u2014the bank's travel booking site for cardholders.<\/p>\n<p>This may be worthwhile for vacation rentals, but you'll want to be wary of the tradeoffs involved when you book through third parties. Hotels and car rental companies don't honor elite status benefits when you use a platform like Capital One Travel. You won't be able to skip the rental car line or enjoy upgrades at your hotel, so factor in whether the extra earnings are worth forgoing benefits.<\/p>\n<div class=\"qs-card\" data-id=\"265\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">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). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Redeeming_Capital_One_Spark_Miles\">Redeeming Capital One Spark Miles<\/span><\/h2>\n<p>There are a few different ways you can redeem your hard-earned <b>Spark Miles<\/b> rewards, though some ways are more valuable than others.<\/p>\n<h3><span id=\"Transfer_to_partners\">Transfer to partners<\/span><\/h3>\n<p>Capital One Spark Miles can offer outstanding value when you transfer them to travel loyalty programs. One of our favorite redemptions is an extremely cheap way to <a target=\"_blank\" href=\"\/travel\/airlines\/book-hawaii-with-points\/\" rel=\"noopener\">book Hawaii with points<\/a>. Transfer miles at a 1:1 ratio to Turkish Airlines, and you'll need just 20,000 miles to fly round-trip to Hawaii from anywhere in the United States.<\/p>\n<p><img data-aspectratio=\"750\/176\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-151695 size-full lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/DEN-KOA-Turkish-miles-example.png\" alt=\"Transfer Spark Miles to Turkish airlines to book Hawaii with points\" width=\"750\" height=\"176\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/DEN-KOA-Turkish-miles-example.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/02\/DEN-KOA-Turkish-miles-example-300x70.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>If you're focused on <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/use-capital-one-miles-domestic-flights\/\" rel=\"noopener\">award travel within North America<\/a>, virtually every Capital One airline partner offers the option to book travel with a major U.S. carrier. You'll find great values on regional and domestic flights with United, Delta, American, Alaska, and JetBlue.<\/p>\n<p>And you'll have plenty of great options for booking hotel stays too. Though less well-known than competitors like Hilton and Marriott, your miles transfer to Choice Privileges, Wyndham Rewards, Preferred Hotels, and Accor Live Limitless. That gives you plenty of options for overnight business travel.<\/p>\n<h3><span id=\"Capital_One_Travel_portal\">Capital One Travel portal<\/span><\/h3>\n<p>Capital One aggressively promotes its proprietary travel booking site, <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Travel<\/a>. Instead of paying with your Spark Business card and earning up to 5X miles, you can choose to redeem your miles instead.<\/p>\n<p>You'll want to be wary of this option, however, as your travel rewards are valued at only 1 cent per mile on these redemptions. This falls well below the <a target=\"_blank\" href=\"\/point-mile-values\/Capital+One\" rel=\"noopener\">average AwardWallet user redemption of 2.04\u00a2<\/a>.<\/p>\n<figure id=\"attachment_119125\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/179\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-119125 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Capital-One-travel-portal-300x72.png\" alt=\"Earn up to 5x Spark Miles via the Capital One travel portal\" width=\"750\" height=\"179\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Capital-One-travel-portal-300x72.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Capital-One-travel-portal-1024x244.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Capital-One-travel-portal-768x183.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Capital-One-travel-portal.png 1158w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Capital One Travel<\/em><\/enter><\/figure>\n<h3><span id=\"Statement_credits_for_travel_purchases\">Statement credits for travel purchases<\/span><\/h3>\n<p>You can also redeem miles at a value of one cent apiece for a statement credit\u2014effectively removing any travel purchase from your monthly bill. This feature used to be called <a href=\"\/credit-cards\/capital-one-rewards\/redeem-venture-miles-travel-purchases\/\">purchase eraser<\/a>, but Capital One has stopped using that term.<\/p>\n<p>Since you have 90 days from the time the transaction posts to claim your travel statement credit, you can use miles retroactively for a qualifying purchase you made with your card. That means you can book travel before you have the miles in your account\u2014which is especially useful if you find a great deal while you're waiting for your welcome bonus to arrive.<\/p>\n<p>If you're tempted to use miles to book travel through the Capital One Travel portal, it's best to do it in this order:<\/p>\n<ul>\n<li>Pay cash for your booking on the Capital One travel portal to earn 5x miles (on vacation rentals, hotels, and rental cars with the Spark Miles for business).<\/li>\n<li>Use Capital One miles as a statement credit for 1 cent per mile to wipe away the charge after the fact.<\/li>\n<\/ul>\n<p>Using this method, you'll be able to maximize your earn while still redeeming miles, and you'll come away with better earnings in the end. Redeeming directly through the portal doesn't give you this option.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Capital One has some pretty interesting rules when it comes to applying for credit cards. Unlike other banks, which may approve you for a card but not offer you the welcome bonus, Capital One doesn't tend to approve applicants unless they qualify for the bonus. This can be a welcome relief compared to trying to understand the archaic requirements other card issuers impose.<\/p>\n<p>If you've had a <b>Spark Miles<\/b> card in the past, be aware that the offer page often includes this language:<\/p>\n<blockquote><p><em>&#8220;The bonus may not be available for existing or previous Spark cardholders.&#8221;<\/em><\/p><\/blockquote>\n<p>Capital One has relatively strict policies when it comes to opening a new card, applying the following rules:<\/p>\n<ul>\n<li>A maximum of two personal Capital One credit cards at any given time.<\/li>\n<li>No rule on the number of business cards.<\/li>\n<li>One new card every six months.<\/li>\n<li>Capital One pulls a report from all three credit bureaus.<\/li>\n<li>Recent inquiries are a major factor in approval.<\/li>\n<\/ul>\n<p>You'll also want to note that Capital One is known for reporting small-business accounts to the credit bureaus that maintain your personal credit file; most other banks do not. This means that Capital One business cards will have a bigger impact on personal credit, for better or worse.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<figure id=\"attachment_115640\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-115640 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-300x240.png\" alt=\"a customer pays with their Spark Miles card at a coffee shop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/clay-banks-unsplash-small-business-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Clay Banks\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Alternatives_to_the_Spark_Miles_Card\">Alternatives to the Spark Miles Card<\/span><\/h2>\n<p>If you aren't sold on Spark Miles, there are plenty of great <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">business credit cards<\/a> that earn cash back or another kind of flexible travel rewards.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png\" width=\"150\" alt=\"Capital One Spark Cash\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Spark Cash<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"5048373\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash' href=\"\/blog\/link\/CRCapOneSparkCash\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro for first year;<br> $95 after that<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>2% Cash Back on every purchase<\/li>\r\n<li>5% Cash Back on hotels and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul> <\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=91c4cdf557f4ad97846a0d8522f0f288&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$375<span class=\"compare-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div><\/div>\n<ul>\n<li><b>If you're after a bigger sign-up<\/b> <strong>bonus<\/strong>, the <a data-ccid=\"5048373\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/spark-cash-card\/\">Capital One Spark Cash<\/a> is offering $1,000 cash back once you spend $10,000 in the first 3 months from account opening. Spark Cash is quite similar to the Spark Miles in many ways, but without the flexible redemption via transfers to other loyalty programs like the other cards in this list.<\/li>\n<li><strong>If you're looking for a no-annual-fee option<\/strong>, the <a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=91c4cdf557f4ad97846a0d8522f0f288&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<br \/>\ncomes with a massive $750 welcome offer after you spend $6,000 on purchases in the first 3 months from account opening.<\/li>\n<li><strong>If you want to earn more travel rewards on spending<\/strong>, the most expensive option on our list is also the most rewarding: the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a>. Although it charges a $375 annual fee  (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), it's an earning powerhouse with valuable perks that can help justify the cost.<\/li>\n<\/ul>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <b>Capital One Spark Miles for Business<\/b> can be a compelling option for those looking to maximize their everyday business spending. With a low annual fee and the ability to earn unlimited 2x miles on your purchases, those who have major expenses can easily rack up rewards. However, the card is limited when it comes to other perks.<\/p>\n<p>Despite this, the Spark Miles card will be a good fit for many, especially since it earns unlimited miles that can be transferred to hotel and airline partners for extremely valuable redemptions.<\/p>\n<p><div class=\"qs-card\" data-id=\"265\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Miles for Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/08\/CardArt-CapitalOneSparkMiles.png\" width=\"150\" alt=\"Capital One Spark Miles for Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"265\" target=\"_blank\" href=\"\/blog\/cards\/SparkMiles\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Miles for Business<\/strong>\n                    <div class=\"qs-offer\">This card is no longer available to new applicants.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">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). Your rewards never expire as long as your account is open and in good standing.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>2 Miles per $1 on every purchase, everywhere<\/li>\r\n\t<li>Fee credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2X miles per dollar on every purchase, everywhere, no limits or category restrictions<\/li>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Capital One Spark Miles for Business earns and unlimited 2x miles on all purchases, which can be great for businesses with a lot of spending in categories that don&#8217;t earn bonus miles with other cards. However, its other benefits are fairly limited, which may leave room for competitors. Let&#8217;s take a closer look.<\/p>\n","protected":false},"author":75,"featured_media":119165,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12787,12620],"coauthors":[36395],"class_list":["post-119116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-capital-one","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=119116"}],"version-history":[{"count":55,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119116\/revisions"}],"predecessor-version":[{"id":258465,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/119116\/revisions\/258465"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/119165"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=119116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=119116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=119116"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=119116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}