Capital One® Spark® Miles Select for Business

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One® Spark® Miles Select for Business
20K "miles"
20K after $3,000 spend in 3 months from account opening
Click Here to Apply

$0 Annual Fee

FM Mini Review: This card is basically the same as the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card.


Card Type: Visa Signature

Earning rate: 1.5X everywhere

Noteworthy perks: Redeem miles for travel at value of 1 cent per mile.

Overview

The Capital One Spark Miles Select for Business card offers 1.5 miles per dollar everywhere. Miles are worth 1 cent each when redeemed for travel. Simply use the card to pay for any travel expenses, and then log onto your account and apply miles to offset your statement charges. In other words, the Capital One Spark Miles for Business card is essentially a 1.5% rewards card.

Things get more interesting now that Capital One Miles are transferable to airline miles. Since the transfer ratio is 2 to 1.5, you can think of this card as earning your choice of 1.5% everywhere OR 1.125 airline miles everywhere.

More information about Capital One transfer partners can be found here.

Overall, I expect that most businesses would do better with the Capital One Spark Cash for Business Card (2% back everywhere), the Capital One Spark Miles for Business Card (2X everywhere), or the Chase Ink Business Preferred Card (3X in select categories).

Application Tips

Capital One Application Tips


  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: You can have at most 2 Capital One consumer cards

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus


To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (Capital One Miles)

Capital One® Spark® Miles for Business
Up to 200K miles
Up to 200K miles: 50K after $5K spend in 3 months from account opening. Earn an additional 150K miles when you spend $50K on total purchases within the first 6 months. Limited time offer.

No Annual Fee First Year, Then $95

Recent better offer: None.

Capital One® Venture® Rewards Credit Card
75K "miles"
75K after $5K spend in 3 months from account opening

No Annual Fee First Year, Then $95

Capital One® VentureOne® Rewards Credit Card
20K "miles"
20K after $1K spend in 3 months from account opening

$0 Annual Fee

Capital One® Spark® Miles Select for Business
20K "miles"
20K after $3,000 spend in 3 months from account opening

$0 Annual Fee

Last updated on May 30th, 2018

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