Capital One Spark Miles for Business. Capital One Spark Miles for Business is one of the top travel rewards credit cards available to small business owners with good credit or better. To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Learn more: What to know before you start earning Capital One miles. This credit card is great for business owners with unpredictable expenses, most business cards cant help you maximize your purchases since the bonus categories are so rigid. You earn 2x miles on purchases and redeem your miles for travel statement credits or transfer to participating airlines and hotels. If either of these is the case, it could be worth considering a different card. All financial products, shopping products and services are presented without warranty. $0 intro annual fee for the first year, then $95 after. The card has $0 in annual fees and is designed for businesses building up credit. Its an affordable card that only charges $95 in annual fees, and that fee is waived the first year. Pocketing 1.5% cash back on every single purchase, Maximizing rewards in the two categories where you spend the most. You can redeem your rewards to book flights, rent cars, and pay for hotel stays and past travel purchases within 90 days of the date of the travel purchase. The Capital One Spark Miles for Business credit card is offering a 50,000-mile sign-up bonus, which is earned once you spend $4,500 on purchases in the first three months of account opening. Earn unlimited and non-expiring 2x miles on every single purchase you make. The Capital One Spark Miles business card only offers lounge access to Capital One lounges twice a year, which is currently only available at the Dallas-Fort Worth airport and not at Newark. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. If you use your new Capital One Spark Miles for Business enough, you can access the welcome offer: Earn a one-time bonus of 50,000 miles equal to $500 in travel once you spend $4,500 on purchases within the first 3 months from account opening. These two cards are virtually identical except for the type of rewards they earn. Better details For a no-annual-fee store card, the is adequate. Travel rewards and annual spending less than $19,000, https://www.capitalone.com/small-business/credit-cards/spark-miles-select/. Capital One airport lounge visits also come with a retail value of $65 each, so that added perk is worth $130 per year if you can use it. This site may be compensated through a credit card issuer partnership. We also take into consideration the annual fee, introductory and ongoing annual percentage rates (APRs), and additional features. There is no need to worry about complicated award charts or blackout dates found with other rewards programs. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Bonuses, rewards as well as rates and fees are all taken into account. It offers unlimited 2x miles on every business-related purchase, which you can redeem for flights, hotels, and vacation packages. The Capital One Spark Miles for Business value can be excellent for small businesses who want flexible rewards especially the first year. However, each mile is worth $0.01 each when you redeem them to cover travel purchases charged to your card. Read a full review of the Capital One Spark Miles for Business. Once accumulated, miles can be redeemed for airfare, hotel stays, car rentals, and other types of travel purchases. Redeem your miles for flights, vacation rentals, car rentals, ride . With the Capital One Spark Miles for Business, youll earn 2x on all your purchases, with no limits, categories or bonuses to keep up with. To get an insurance quote over the phone, call: (855) 596-3655 | Agents available 24 hours a day, 7 days a week! NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Citi is an advertising partner. This bonus is about average among business credit cards for travel. YouTube, 228 Park Ave S # 20702 No responsibility will be taken by the bank advertiser for these comments. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. (Up to $100). But it has the potential to be worth even . Capital One also has an unpublished rule that says you can only get approved for one new card bonus every six months.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EWhat are Capital One Spark Miles for Business miles worth?\u003C\/h3\u003E\n\n\u003Cp\u003EWhile cardholders earn 2 Miles per $1 on every purchase, everywhere spent with the card, the value of these miles can vary depending on how you redeem them. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The only Capital One small business card that (directly) earns Capital One Miles is the Capital One Spark Miles for Business. up to $100 every four years. Even so, it never hurts to check out other business credit cards so you know for sure. Terms apply to American Express credit card offers. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Terms apply to American Express benefits and offers. They do have two important differences, however. ValuePenguin does not include all financial institutions or all products offered available in the marketplace. He loves to see new parts of the world with his wife and son. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center. The Capital One Spark Miles for Business makes it easy for business owners to earn and redeem travel rewards while also enjoying a range of other valuable perks. The Capital One Spark Miles for Business comes with an annual fee of $95, which is one of the main reasons why you might hesitate in choosing it for your business spending. While that rate is underwhelming compared with some of the best business credit cards . Follow her on Twitter at @robinsaks. 20,000 Miles Bonus Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening. With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. So how do we make money? However, each mile is worth $0.01 each when you redeem them to cover travel purchases charged to your card.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, {"backgroundColor":"gray","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeIcon--root ShortcodeIcon--margin-bottom\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--medium ShortcodeIcon--blue ValuePenguinIcon--airplane\"\u003E\u003C\/span\u003E\n \u003Cp class=\"ShortcodeIcon--content\"\u003E \u003Cstrong\u003ESavvy traveler tip:\u003C\/strong\u003E The Capital One Spark Miles for Business only gives you $0.005 per mile redeemed for cash back. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Past performance is not indicative of future results. You can also transfer miles to any of its travel partners. The rating for this card has been determined by our own industry experts who are immersed in the credit card world. NerdWallet strives to keep its information accurate and up to date. But it comes with an annual fee . For example, the American Express Blue Business Cash Card earns 2% cash back, for up to $50,000 spent in a calendar year. However, this option can still be very fruitful if you're able to use your rewards to book a high-value redemption, such as a night in a pricey resort or international flights in a premium cabin. The Capital One Spark Cash Plus is a lucrative business card that offers 2% cash back on all spending with no foreign transaction fees, a $200 bonus when you spend $200,000 on the card in a year, and has no pre-set . The more you spend, the more miles you earn. Terms apply. The Business Platinum Card from American Express isn't cheap: Its $695 annual fee far exceeds that of the Capital One Spark Miles for Business card ($0 intro for the first year, then $95). The Capital One Spark Miles for Business is great for the business owners looking for straightforward 2x earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles. Were credit cards racecars, the wouldnt be out front. OVERNIGHT ADDRESS When evaluating offers, please review the financial institutions Terms and Conditions. This article is part of a larger series on Best Small Business Credit Cards. This was an easy choice. What's more, when booking hotels and rental cars through the Capital One Travel portal, you'll get an elevated earn rate of 5x miles. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas. But the benefits are pretty lackluster for a credit card with an annual . Transferring your miles to Capital One airline and hotel partners often brings greater rewards value, although this depends on how exactly you redeem your rewards in the end. As you compare business credit cards, you'll notice that some cards offer a higher rewards rate in bonus categories along with a lower flat rate on regular purchases. The Capital One Spark Milesearns rewards that have the most value when redeemed for travel, while the Spark Cash Select from Capital One* earns cash back. Not only does this card earn highly flexible rewards, it offers a rob Information provided on Forbes Advisor is for educational purposes only. Please try again later. If youre looking to get the most flexibility from your rewards program, cash is generally better. If you're looking for a business credit card that lets you earn flexible rewards with no annual fee the first year, the Capital One Spark Miles for Business could be for you. Is it worth it? 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