Capital One Spark Miles for Business credit card review

The Capital One Spark Miles for Business is a stable enterprise bank card, providing double miles throughout each buy. Miles could be transferred to any of Capital One’s 15-plus companions, and you will pay a low annual payment of $95 ($0 introductory annual payment for the primary yr). Card Score*: ⭐⭐⭐⭐

*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

In case your small enterprise includes journey otherwise you need to present journey perks to your self or your workers by utilizing the miles earned on enterprise spending, the Capital One Spark Miles for Enterprise can provide a number of worth.

TPG recommends a credit score of 670 to extend your probabilities of getting authorised.

Here is what you want to know concerning the Capital One Spark Miles for Enterprise earlier than making use of.

The Spark Miles for Business is presently providing a welcome bonus of fifty,000 bonus miles after spending $4,500 on purchases within the first three months of account opening.

You’ll be able to simply redeem your miles for a fixed value of 1 cent every, through which case the 50,000-mile bonus can be value $500 towards journey. However TPG’s September 2025 valuations place the worth of Capital One miles at 1.85 cents, which makes 50,000 miles value $925.

Relying on which switch companions you employ and whether or not a switch bonus is out there once you redeem your miles, you may additionally be capable to get much more worth.

Associated: Step-by-step: How to complete a Capital One business credit card application

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The Spark Miles for Business does not provide as many advantages as some pricier business cards, however it nonetheless provides stable perks for a card with a sub-$100 annual payment product.

One helpful perk is an as much as $120 assertion credit score each 4 years for a Global Entry or TSA PreCheck utility payment. Each packages can make travel easier, and also you solely must pay the appliance payment along with your Spark Miles card for the credit score to set off (usually inside 2 billing cycles).

If you have already got memberships with these packages, you should utilize the credit score for an worker as a substitute.

Once you use your Spark Miles for Enterprise card to purchase eligible objects, you will obtain extended warranty protection along with the next advantages which may be significantly helpful for small companies:

• Account and enterprise administration instruments: Decide your personal month-to-month due date, arrange auto-pay and obtain year-end itemized spending studies.
• Means to assign an worker as an account supervisor: This worker can then make purchases and funds and evaluate transactions.
• Hertz 5 Star standing: Obtain standing with Hertz, skip the counter and choose areas and select from a wider collection of rental automobiles.*
• No payment worker playing cards: Add workers as approved customers and set spending limits for his or her playing cards.
• No foreign transaction fees: Make purchases abroad with out accumulating further expenses simply since you’re overseas.

*Upon enrollment, accessible by the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by the length of the provide. Please word, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t robotically detect a cardholder as being eligible for this system and cardholders won’t be robotically upgraded to the relevant standing tier. Further phrases apply.

Associated: 5 lesser-known perks of the Capital One Spark Miles for Business

The great thing about the Spark Miles for Business is its easy incomes construction. You may earn 2 miles for each greenback spent with no annual cap, plus 5 miles per greenback spent on resorts, trip leases and rental automobiles booked by Capital One Journey.

Though it retains issues easy, the dearth of additional bonus classes signifies that there are extra rewarding choices for business-specific spending, equivalent to workplace provides.

Associated: These are the Capital One credit cards that earn transferable miles

Take TPG contributing editor Matt Moffitt, who leverages Capital One’s switch companions for redemptions, equivalent to Lufthansa first-class award seats between the U.S. and Europe for 116,000 Capital One miles when reserving by Avianca LifeMiles.

Transferring your miles will get you probably the most bang on your buck, however in the event you’re after simplicity, you possibly can redeem your miles at a hard and fast worth of 1 cent apiece towards journey purchases. You should utilize your miles when reserving new journey by Capital One, or you should utilize your miles to pay for any eligible, latest journey buy you have made with the cardboard.

Associated: Redeeming Capital One miles for maximum value

Since Capital One miles could be transferred to airline and hotel partners, the Spark Miles for Business is akin to different playing cards that earn transferable currencies.

The knowledge for the Capital One Spark Miles Choose for Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

For extra choices, take a look at our full list of the best travel cards.

Associated: Your guide to the Chase Ink Business credit cards

For those who’re in search of simplicity, the Spark Miles for Business could also be a very good card for all your enterprise spending because it earns a flat reward price throughout all purchases (until you reserve journey by way of Capital One Journey, through which case you earn a better reward price). However even when you have already got a number of playing cards that earn bonus miles in sure classes, the Spark Miles for Enterprise might be able to enhance your earnings on purchases that do not fall into your present bonus classes.

Study extra: Capital One Spark Miles for Business

For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

For charges and costs of the Blue Enterprise Plus Card, click on here.