1. Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business is geared towards frequent business travelers and is a solid option for business owners who would like to earn travel rewards without paying a high annual fee. Cardholders will receive business benefits from both Capital One and Visa, including spending summaries, accounting integrations, emergency assistance services, and more.

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The Good

  • Introductory Bonus
  • Reward Rates
  • Low Annual Fee
  • Free Employee Cards
  • Fraud Protection
  • No Foreign Transaction Fees

Introductory Bonus

When business owners open a new account for a Capital One Spark Miles for Business credit card, they have the ability to earn a one-time introductory bonus of 50,000 miles, which is equal to $500 in travel, if they spend $4,500 on their card within the first three months of opening the account.

Reward Rates

Capital One Spark Miles for Business cardholders earn two miles per dollar for every purchase made on their card. There’s no limit to the number of miles that can be earned, no minimum required to redeem, and no expiration date on miles for the life of the account. Additionally, there are no seat restrictions, so cardholders can use their miles to fly on any airline at any time.

Low Annual Fee

The Capital One Spark Miles for Business card has no annual fee in the first year and an annual fee of $95 thereafter, which is relatively low for the industry.

Free Employee Cards

With Capital One Spark Miles for Business, business owners can add additional employee cards for free. Employee cards earn the same reward rates for purchases as business owner cards.

Fraud Protection

Capital One Spark Miles for Business strives to protect cardholders from fraud by providing instant text, email, or phone alerts when fraud is suspected. The card also comes with a fraud liability policy that protects cardholders in the event that their card is stolen or lost.

No Foreign Transaction Fees

Capital One Spark Miles for Business cardholders are not subject to foreign transaction fees, which means they will not have to pay an additional fee if they make a purchase on their card while abroad.

The Bad

  • No Introductory APR
  • Late Payment Fees

No Introductory APR

Capital One Spark Miles for Business does not offer a low APR for an introductory period. Cardholders will be subject to a regular variable APR of 19.24 percent immediately after opening an account.

Late Payment Fees

Making a late payment on a Capital One Spark Miles for Business balance will result in a late payment fee of up to $39.

The Bottom Line

Capital One Spark Miles for Business offers some attractive options, including a generous introductory bonus, two miles for every dollar spent, low annual fees, and no foreign transaction fees. However, there is no introductory APR to take advantage of.

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