Capital One® Spark® Miles Select for Business Review

If you’re looking for a no-annual-fee business travel card with a simple rewards system, the Capital One® Spark® Miles Select for Business is a good option. The generous 5X miles rewards for hotel and car rentals booked through Capital One Travel, make this card ideal if you travel frequently. You can also take advantage of the 20,000-mile early spend bonus by spending $3,000 in the first three months. However, this travel card has limited airline partners which may limit your redemption options.

MoneyGeek’s Capital One® Spark® Miles Select for Business review highlights everything you need to know about this business travel card to help you make the right choice for your business.

Capital One® Spark® Miles Select for Business benefits include unlimited rewards on all purchases at 1.5 miles per dollar and a generous 5 miles per dollar on eligible hotel and travel bookings. Other key rewards and bonuses include the following:

• No annual or foreign transaction fees
• Earn 20,000 bonus miles by spending $3,000 on purchases in the first three months
• Get 5X miles per dollar when you use Capital One Travel to book hotels and rental cars
• Get 1.5X miles per dollar on all other purchases
• Redeem miles to book flights, hotels, vacation packages and more through Capital One Travel
• Transfer miles to any of more than 15 travel partners
• Redeeming miles for previous travel purchases, or for cash in the form of a check, as an account credit or for gift cards is possible
• Free employee cards with customized spending limits
• Complimentary rental collision coverage and roadside assistance
• Select your own due date
• Year-end summaries
• Extended warranty
• $0 fraud liability

Apart from standard APR charges, it is also important to understand all other rates and fees before completing your Capital One® Spark® Miles Select for Business application.

Before making your Capital One® Spark® Miles Select for Business application, it is also important to be aware of the additional features offered by this card.

• Standard features: The Capital One® Spark® Miles Select for Business benefits include rental-car insurance and roadside assistance, extended warranty protection and purchase protection for up to 90 days, and free employee cards and customized spending limits that give you control over employee spending.
• Security Features: You can manage access to your account using the Capital One mobile app, including locking your card or employee cards. You will also get security alerts on call, email or text in case of suspicious activity on your card.
• Customer Experience: Cardholders have access to 24-hour customer service by phone. You can also conveniently manage your account online or via the Capital One mobile app. Capital One tied for first in the J.D. Power 2021 Small Business Credit Card Customer Satisfaction Study, so they have a reputation for good customer service.

For small business owners the Capital One® Spark® Miles Select for Business offers unlimited rewards on purchases and a generous welcome bonus. If you spend a lot on hotel and travel bookings you will get great value from your Capital One® Spark® Miles Select for Business card since you can earn 5 miles per dollar if you book hotels and car rentals through Capital One Journey. However, there are other business cards that offer more generous rewards. The Ink Business Preferred may be a better option for higher rewards for common business expenses if you don’t mind the $95 annual fee.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.