Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
    |    Accessibility Options

Capital One Spark Miles for Business Review: Travel Rewards Without the Headache

Review Updated
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger
Content Manager

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The Capital One Spark Miles for Business (see rates and fees) makes earning travel rewards effortless: 2X miles on every purchase, a solid welcome bonus, and perks like Global Entry or TSA PreCheck® credits mean your everyday spending starts working harder for your next business trip. No tracking categories, no guesswork -- just simple, reliable rewards.

Is it right for your business? I'll break it down below.

Ratings Methodology

Capital One Spark Miles for Business

Great for: Travel Rewards on Everyday Business Expenses

Apply Now for Capital One Spark Miles for Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Spark Miles for Business
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Spark Miles for Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site.

2X-5X miles

Annual Fee

$0 intro annual fee for the first year; $95 after that

Welcome Offer Circle with letter I in it. 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening

50,000 Miles

  • Simple travel rewards, low fees, and no fuss. This card makes it easy for business owners to start earning with unlimited 2X miles on every purchase, a 50,000-mile welcome bonus, and 5X on on hotels, vacation rentals and rental cars booked through Capital One's travel booking site. With a $0 intro annual fee for the first year ($95 after), it’s an easy way for businesses to turn everyday spending into meaningful travel rewards.

    • Big sign-up bonus
    • Unlimited 2x miles
    • No foreign transaction fee
    • Multiple ways to use miles
    • Annual fee
    • No intro APR 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
    • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
    • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
    • Transfer your miles to 15+ travel loyalty programs
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    • $0 intro annual fee for the first year; $95 after that
    • Free employee cards which also earn unlimited 2X miles from their purchases

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Our business card ratings are designed to help owners and entrepreneurs find cards that match the way they spend – and scale. We consider earning structures, welcome offers, perks, and business-specific benefits like employee controls or loyalty boosts.

Our highest-rated business cards have:

  • Strong earning potential across everyday or business-specific categories (travel, advertising, office supplies)
  • Transferable rewards programs for added flexibility
  • Welcome offers with meaningful upfront value
  • Valuable extras like employee cards, accounting software integrations, or airline lounge access
  • Low-to-moderate annual fees

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Capital One Spark Miles for Business

Unlimited 2X miles on every purchase

This card is straightforward in the best possible way. No rotating categories, no quarterly sign-ups, no "wait, is this dining or office supply?" confusion. You'll earn 2X miles on every purchase automatically. For hotels, vacation rentals and rental cars booked through Capital One's travel booking site, you'll get 5X miles, which is a nice bonus if you travel for business.

The earning structure is consistent, predictable, and ideal for business owners who want to focus on running their company rather than tracking rewards categories. It's the kind of flat-rate simplicity that makes budgeting easier -- you always know what you're earning.

Competitive welcome bonus

The welcome bonus of 50,000 Miles after spending $4,500 in the first 3 months is equal to $500 in travel. The spending requirement is reasonable compared to other business cards that require $7,500+ in the same timeframe.

That makes this bonus realistic for small and mid-size businesses, giving a meaningful head start on miles that can immediately fund a business trip or be reinvested into the company in the form of travel reimbursements.

Global Entry/TSA PreCheck® Credit

The Capital One Spark Miles for Business comes with up to a $120 credit for Global Entry or TSA PreCheck®. Simply charge the membership fee to your card. For frequent flyers, this perk is a game-changer, turning what's usually a tedious airport experience into a smoother, faster process.

Flexible redemptions and travel perks

You're not locked into Capital One's travel booking site for redemption. Book flights, hotels, or experiences wherever you want, or transfer miles to airline partners. This flexibility is rare among travel-focused business cards and gives you real control over your rewards.

No foreign transaction fees

Whether you're buying office supplies from a foreign vendor or traveling overseas, this card saves you from the typical 3% surcharge most cards charge on international transactions. This might feel like a small benefit, but over time, it keeps your costs lower while still earning rewards on every dollar spent abroad.

Downsides you should consider

Annual fee after year one

This card has a $0 intro annual fee for the first year; $95 after that (see rates and fees). While the fee is not prohibitive, it does mean you need to spend enough to justify it.

For businesses with light spending or tight budgets, a no-fee card might make more sense. The upside is that even modest consistent spending often outweighs the fee through miles earned plus the welcome bonus.

No lounge access

Unlike premium travel cards like the Capital One Venture X Business (see rates and fees), the Capital One Spark Miles for Business does not provide airport lounge access.

If you rely on lounge perks to make frequent travel less stressful, this card won't give that. It's designed for high earning potential and flexible redemptions rather than luxury travel experiences.

No intro 0% APR

This card is strictly about earning rewards. There's no 0% intro APR on purchases or balance transfers. If your plan involves financing a large purchase, you'll need to explore other business cards with introductory APR offers. Capital One Spark Miles for Business is best if you pay your balance in full each month.

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 25.49% Variable

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 23.49% Variable

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
150,000 Miles Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Is it worth the annual fee?

The moderate annual fee after the first year (see rates and fees) might make some business owners pause, but for most, it's easily justified. The welcome bonus of 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening alone makes up for more than five years' worth of that cost.

Plus, even moderate spending on the card will cover the fee through earned miles. The perks -- like Global Entry/TSA PreCheck® credits and no foreign transaction fees -- add even more value, making the card worthwhile for almost any business that travels or purchases internationally.

Of course, if you won't use the perks, you're better off with a no-fee card. It's totally dependent on how you plan to use it. But for most business owners, it's absolutely worth it.

Final thoughts

The Capital One Spark Miles for Business is a "set it and forget it" card for business owners who want straightforward travel rewards with real-world perks. Unlimited 2X miles on every purchase, a competitive welcome bonus, flexible redemption, and credits make it an easy addition to your wallet -- especially if you travel for work. It's simple, high-value, and business-friendly without the usual travel card headaches.

Ready to start earning? Apply for the Capital One Spark Miles for Business today.

FAQs

  • Compared to the Spark Cash cards, the Capital One Spark Miles for Business gives you travel miles instead of straight cash back. It's best if you plan to redeem for travel or transfer to airline partners.

  • It's competitive but may not the biggest. The Capital One Spark Cash Plus (rates and fees) may give a higher dollar-equivalent bonus for heavy spenders.