Capital One® Spark® Miles Select for Business

Robin Saks Frankel  in  Business How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Best for no annual fee travel rewards

Annual Fee:
Purchase Intro APR:
0% on purchases for 9 months
Balance Transfer Intro APR:
Regular APR:
14.74% - 22.74% (Variable)
Terms and Restrictions Apply

Bankrate Rating

Commonly used for: 0% Introductory APR, Business, EMV, Excellent Credit, Good Credit, No Foreign Transaction Fees, Rewards, Travel.

Score Breakdown

Bankrate Rating

Annual Fee
Intro Bonus
Variable APR

 The Capital One Spark Miles Select for Business card is the fraternal twin to the Capital One® Spark® Cash Select for Business. The two cards are virtually identical except Spark Miles Select rewards can be redeemed for travel purchases and the Spark Cash Select rewards only gives you a statement credit or a check.

Unless you have a reason to want to accrue credits for travel, the Spark Cash Select for Business gives you similar flexibility in how you spend your rewards.


The Capital One Spark Miles Select for Business card earns an unlimited 1.5 miles per $1 spent on all purchases, without any complicated rotating bonus categories or transfers. Anyone who wants to earn travel rewards that can be used in advance, or as a credit back against a trip already taken, can benefit from the simple structure of this card.

Sweetening the pot is a one-time bonus of 20,000 miles, worth $200 in travel, to cardholders who accrue at least $3,000 in purchases in the first three months of card ownership and a 0% intro APR offer on purchases for the first nine months (then 14.74% – 22.74% variable APR after that).

Keep in mind if you think you’ll occasionally be late paying the bill, or miss a payment altogether, the penalty APR on Capital One Business credit cards is high and will apply for at least a year.

Capital One has a number of good business credit cards to choose from. Most are top notch. That being said, we don’t like either of the Select cards as much as the Capital One® Spark® Cash for Business, which charges an annual fee after the first year, but also offers a slightly higher rewards rate and a more lucrative sign-up bonus.

Who should get this card

Business owners who want a hassle-free card with a generous and unlimited rewards structure just for travel may find this card fits the bill.

  • Additional employee cards at no charge.
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel using a Spark Miles Select card
  • Rewards never expire as long as the account is open and in good standing.
  • There are no rotating or special bonus categories to keep track of.
  • The penalty APR for late payments is high, plus there’s a penalty fee, so if your business might not make a payment on time, you may want to consider a card with a more forgiving policy.
  • There is no balance transfer APR offer, so this card may not be a good choice for those looking to save on interest charges by doing a balance transfer.
  • If you’re using the Purchase Eraser to redeem your miles for past purchases, you have to do it within 90 days of the original purchase.

Fees and APR

  • There’s no annual fee.
  • Enjoy an introductory 0% APR offer on purchases made during the first nine months of account opening, then it’s a variable 14.74% to 22.74% based on creditworthiness.
  • You’ll pay no foreign transaction fees on purchases made outside the U.S.
  • Balance transfers charge a variable APR of 14.74% to 22.74% based on creditworthiness.
  • There’s a penalty variable APR of 31.15% after you make a late payment that will apply for at least a year.
  • There’s a late payment fee of up to $39.

Extras, perks and using miles

There are free extra cards for employees, and the main cardholder accrues all the rewards.

When used for traveling, the Capital One Spark Miles Select for Business has no foreign transaction fees and also comes with Visa Business Benefits, including auto damage and collision protection, emergency and travel assistance services and purchase protection.

You can redeem your awards miles by booking your travel directly through a Capital One representative over the phone or through the website. The other way is to use the “Purchase Eraser” to receive a credit for travel you booked another way. Once you’ve paid for your travel with your Capital One Spark Classic for Business card, you can redeem your miles for a statement credit.

There is no fee to redeem your miles.

If you’re interested in more information related to earning miles with the Capital One Spark Miles Select for Business, check out our guide to Capital One Miles, which details how to redeem, transfer, and earn your miles.