Points, Miles & Credit Cards

Review: Capital One Spark Miles for Business

Kurt Adams

February 16, 2024

6 min read

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Who is the Capital One Spark Miles for Business for?

The Capital One Spark Miles for Business card is a great option for business owners and entrepreneurs who want a straightforward way to earn flexible travel rewards, and get a few extra travel perks along the way.

Capital One Spark Miles for Business Quick Facts

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Earning rate:

Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions.
Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel.

Welcome offer: bonus_miles_full

Pros and cons

Pros:

Earns Capital One Miles, Capital One’s points currency, which you can transfer to 15 travel partners
Statement credit for Global Entry or TSA PreCheck application
annual_fees

Cons:

No bonus categories with this card. If your business spends heavily in several areas, consider another card.
Capital One currently has no domestic US airline transfer partners
Lacks extra perks, like lounge access, that more premium business cards offer

Our take

If you’re a business owner who wants to earn travel rewards, but doesn’t want to have to bother tracking a bunch of bonus categories or checking off a laundry list of statement credits to use, then the Capital One Spark Miles for Business may be a good fit.

Capital One Spark Miles for Business Review

card_name is a great option if you’re looking for a business travel credit card. Its current welcome offer is: bonus_miles_full.

The card allows you to earn 2X Miles (Capital One calls its points currency “miles”) on every purchase, which makes earning points simple and straightforward. You’ll be able to transfer those points to Capital One’s network of 15 transfer partners, which include some great airlines to get a free seat on a flight.

Earning points with Capital One Spark Miles for Business

The Capital One Spark Miles for Business card earns “Miles,” which is Capital One’s name for transferable points.

This card lets you earn:

2X Miles per $1 spent on all purchases
5X Miles per $1 spent on hotel and car rental purchases through Capital One Travel

Redeeming points with Capital One Spark Miles for Business

You can redeem your Capital One Miles for a statement credit to cover a previous travel purchase, but the best way to use your Miles (points) is by transferring them to one of Capital One’s travel partners.

Capital One has more than a dozen transfer partners that you can transfer your miles to at a 1:1 ratio. Some of our favorites include Flying Blue (the loyalty program of AirFrance), Turkish Miles & Smiles, Avianca Life Miles, Air Canada Aeroplan, and British Airways Executive Club.

Alternatives to Capital One Spark Miles for Business

Alternatives to the Capital One Spark Miles for Business Card
card_name	card_name

card_name	card_name
Annual fee
annual_fees	annual_fees (See Rates and Fees)
Foreign transaction fees
foreign_transaction_fee	foreign_transaction_fee
Earning rate
3X points per $1 on the first $150,000 spent in the following categories each account anniversary: Shipping Ads on social media or search engines Internet, cable, and phone services Travel 1X point per dollar spent on all other purchases	Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Welcome offer
bonus_miles_full	bonus_miles_full
Our take
Great reward currency, but no Trusted Traveler Program statement credit.	A better option if you want to earn travel points but not pay any annual fee.

Ink Business Preferred®

If you’d prefer to earn Chase Ultimate Rewards points instead of Capital One Travel points, consider the card_name. It has a great welcome offer: bonus_miles_full. While the annual fee is comparable, the Chase Ink Business Preferred does not offer a credit for Global Entry, TSA PreCheck, or NEXUS.

You could also consider Ink Business Unlimited or Ink Business Cash, but these earn traditional cash-back rewards cards. There’s a way to use their rewards for travel, but it involves holding other cards and moving the points.

Read our review

The Blue Business® Plus Credit Card from American Express

card_name similar rate: 2X Membership Rewards Points per eligible $1 spent.

American Express offers a great range of travel partners, some of which are the same as Capital One, but some unique ones like Delta, Hawaiian Airlines, Marriot and Hilton.

It’s worth noting that The Blue Business® Plus Credit Card from American Express carries annual_fees , but it also does not come with a credit for Trusted Traveler Programs.