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With the Capital One Spark Miles Select for Business, you can earn 20,000 bonus miles after you spend $3,000 on purchases within the first three months. That’s equivalent to $200 in travel!
In addition, this card lets you earn 1.5X miles per $1 on every purchase and comes with no annual or foreign transaction fees! Plus you can earn 5X miles on hotel and rental bookings through Capital One TravelSM.
Thus, this travel business card is perfect for small businesses that want to earn miles for business purchases. It’s especially great for maximizing rewards without paying for an annual fee.To find out if this card’s features will benefit you, continue to read below.
* The Capital One Spark Miles Select For Business Card is issued by Capital One. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Wise Business Banking | $100 Cash | Review |
| Axox Bank Basic Business Checking | $100 Cash | Review |
Table of Contents
Capital One Spark Miles Select for Business Summary
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| Bonus Available | Earn a one-time bonus of 20,000 miles after you make at least $3,000 in purchases within the first 3 months of account opening. |
| *Bonus Value | $280 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Unlimited 1.5 miles for every $1 spent on all purchases.
Earn 5X miles on hotel and rental car bookings through Capital One Travel? Employee cards at no extra cost. |
| Foreign Transaction Fees | None |
| Airport Lounge Access | Not available |
| Annual Fee | $0 |
* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer.
View the latest valuations here.
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
PROS
- Welcome bonus
- Unlimited miles
- Partner airlines
- Free employee cards
- No foreign transaction fees
- No Annual Fee
CONS
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
 The Ink Business UnlimitedSM Credit Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases |
Capital One Spark Miles Select 20,000 Bonus Miles Offer
Make use of the Spark Miles Select Card’s 20,000 bonus miles introductory offer, we valuate these points around $280, read more below.
To qualify for the offer, you’ll need to charge at least $3,000 to your card within the first three months of opening your account.
Here are some ideas on meeting the spending requirements:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
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What are Spark Miles Worth?
Your miles’ worth depends on how you use them, on average each Spark mile is worth up to $0.014. This is a good value compared to different rewards card is just $0.01 per point.
You can use your Spark miles for:
- Travel purchases booked through Capital One
- Statement credits towards travel purchases
- Gift cards
But if you want to get the most value for your Spark miles, you can transfer your rewards to a Capital one airline partner.
The second best use is to redeem them for new travel purchases or statement credits for previous travel since both will get you $0.01 per mile.
Spark Miles Airline Partners
| Aeromexico | Air Canada | Air France/KLM |
| Alitalia | Avianca Airlines | Cathay Pacific |
| Emirates | Etihad Airways | EVA Air |
| Finnair | Hainan Airlines | Qantas |
| Qatar Airways | Singapore Airlines |
Spark Miles Select for Business Benefits
- Quarterly and yearly summary: Get a custom, itemized spending report to simplify planning, budgeting, and taxes.
- No foreign transaction fees: Make purchases outside of the US with zero transaction fees.
- Easy accounting: Download your purchase records quickly and securely to multiple formats including Quicken®, Quickbooks™, and Excel®.
Visa Business Benefits
As a Visa buisness card, the Spark Cash Miles Select for Business comes with some more business benefits. These include, but aren’t limited to:
- Auto rental damage waiver: Visa has you covered for any damage caused by collision or theft when you rent an eligible car.
- Travel and emergency assistance services: You can count on a wide range of emergency services including legal or medical referrals, ticket replacement, and more. These are available 24 hours a day, 365 days a year.
- Purchase security and extended protection: Visa will replace, repair, or reimburse eligible items within 90 days of purchase. Plus, it doubles the length of the manufacturer’s warranty.
Other Cardholder Benefits
- No Annual Fee: Get all the neat perks without having to pay an annual fee.
- No Foreign Transaction Fee: Keep earning your rewards! Use this card when traveling abroad without paying a foreign transaction fee.
- Travel and Purchase Perks: You’ll receive full auto rental collision insurance and theft protection on car rentals, 24/7 emergency travel assistance, lost card replacement, fraud detection, and shopping privileges, such as extended warranty, and the ability to save 15% on purchases with participating merchants.
- Employee Cards at No Additional Cost: Earn rewards when your employees use their card. Be aware that if employees are allowed to use the account, they will be authorized users. Thus, they’ll have equal charging privileges unless you established individual spending limits.
- Quarterly and Annual Summaries: Receive quarterly and annual spending summaries. The summaries include a detailed, itemized, and categorized look at your spending during the covered period. Plus, get detailed reports of employee spending, if applicable.
Bottom Line
For small business owners, the Capital One Spark Miles Select for Business offers long-term value and extreme flexibility at a minimal expense. You’ll earn 1.5 miles per dollar on every purchase, a relatively high rewards rate for a card with an annual fee of $0.
Redeem miles as travel statement credits with Capital One’s Purchase Eraser tool, or through Capital One’s own travel booking site. It’s easier to book business trips or vacations during peak travel season, when frequent flier seats may be hard to come by. Earn even more rewards if you get extra cards, at no extra cost, to issue to your employees.
Overall, this is a great travel business card because of the rewards offered for no annual fee. For more information about other credit cards, review our complete list of credit card bonus promotions.
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Who’s the Competition?
* Below are some of the top competitors to the Spark Miles Select for Business credit card to consider.
 The Chase Ink Business CashSM Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You'll 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, & % cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost & the 0% introductory APR for 12 months on purchases. |
The Ink Business UnlimitedSM Credit Card offers $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $500 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Wise Business Banking | $100 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Ally Invest | Up to $3,500 Cash | Review |
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