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Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.
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Offer status
The Capital One Spark 2X Miles is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The Capital One Spark 2X Miles is a small business credit card aimed at business owners who want to earn lots of travel rewards without too much hassle. Where the typical travel rewards credit card has multiple categories to track, the Capital One Spark 2X Miles is a bit of an outlier. It earns the same 2x miles per dollar on your purchases, but that's not all it has to offer. Read our full Capital One Spark 2X Miles review for all the details.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.74%, variable
Rewards
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card.
2X-5X miles
Annual Fee
$0 intro fee for first year; $95 after that
$0 intro fee
Welcome Offer
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
50,000 miles
One of the best cards for businesses looking to capitalize on a travel reward for their everyday purchases. With a big sign up bonus, 2x miles, and low fees, it is a great choice for jet-setting small businesses.
Big sign-up bonus
Unlimited 2x miles
No foreign transaction fee
Multiple ways to use miles
Annual fee
No intro APR offer
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark 2X Miles is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Full Capital One Spark 2X Miles review
This credit card is a good fit for: Business owners who want a great rewards rate on their spending and versatile miles with several redemption options.
Top perks
Unlimited 2x miles per $1
The Capital One Spark 2X Miles earns an unlimited 2x miles per dollar on purchases. That's twice the typical base rate for a travel rewards card, though less than some cards' bonus category rates. And that's part of the perk -- you don't need to track bonus categories or activate anything to earn the 2x miles. You can also earn up to 5x miles per dollar on hotels and rental cars if you book through Capital One Travel. And, perhaps best of all, your rewards are truly unlimited; there's no quarterly or annual cap on how many rewards you can earn.
50,000 miles sign-up bonus
The issuer will grant 50,000 miles as a one-time bonus to new cardholders who spend $4,500 in qualifying purchases within three months of account opening -- that equates to $500 in travel statement credits. The bonus could be worth even more if you transfer your miles to one of Capital One's travel partners and redeem wisely.
While this isn't the best sign-up bonus you can find, it's certainly competitive. And it's even better when you compare the spending requirements for higher bonuses; some require you to spend $7,500 or more in the first three months, which may be difficult for smaller businesses.
No foreign transaction fee
This card passes the no foreign transaction fee test, so that's one less thing to worry about when venturing overseas and using this card to help fund the trip. Foreign transaction fees can add up to 3% to every purchase in a foreign currency. But this perk offers savings on more than just your purchases abroad. Many cards with foreign transaction fees also charge them on any purchases that route through a foreign bank -- even if you make them from home. So, the Capital One Spark 2X Miles can help you save when purchasing from foreign suppliers, too.
Flexible redemption options
This isn't one of those credit cards that requires customers to redeem their miles through the issuer's dedicated travel portal to get the best rate. Holders of this card have that option, but they're also free to book travel through any means they want.
However, for many folks, the best value will come from transferring your miles. Capital One has partnered with more than a dozen airline loyalty programs, meaning you can turn your Capital One rewards into frequent flyer miles. Most transfers are at a 1:1 rate, and smart redemption could net you significant per-mile value.
Airport perks
The Capital One Spark 2X Miles comes with a few perks that could be particularly useful for those who fly multiple times a year. For one, cardholders can get up to a $120 credit for Global Entry or an $85 credit for TSA Pre✓®. This credit kicks in every four years, which is how long you can go between renewals. These programs can help you speed through U.S. immigration and domestic airport security, respectively.
If you want a big sign-up bonus: Few business credit cards can match the Ink Business Preferred® Credit Card, mostly due to its best-in-class sign-up bonus.
If you want to earn cash back on gas, restaurants, travel, and Costco purchases: The Costco Anywhere Visa® Business Card by Citi is a great option for Costco shoppers who want to earn big on more than just travel. Cardholders earn 4% on gas ($7,000 annual spending cap), 3% for dining and select travel, 2% at Costco, and 1% on other eligible purchases.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Excellent (740-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Excellent (740-850)
Welcome Offer:
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
50,000 miles
Welcome Offer:
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
Welcome Offer:
N/A
Rewards Program:
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card.
2X-5X miles
Rewards Program:
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.
Earn 3 points per $1 in select business categories
Rewards Program:
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.
1% - 4% back
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Regular APR:
25.74%, variable
Regular APR:
20.49% - 26.49% Variable
Regular APR:
19.49% - 27.49% (Variable)
Annual Fee:
$0 intro fee for first year; $95 after that
$0 intro fee
Annual Fee:
N/A
$95
Annual Fee:
N/A
$0
Highlights:
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Highlights:
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC
Highlights:
Discover the only business credit card designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
The Capital One Spark 2X Miles is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
What could be improved
Here are a few potential downsides of this card to consider.
Annual fee
Yes, the annual fee is waived in the first year of ownership. But unless you only plan to keep the card for a year, you'll be hit with that annual fee every year after. A $95 annual fee isn't the highest we've seen-- but it's not the lowest, either. The annual fee is worthwhile if you spend so much that the miles you earn are worth well over $95 a year. If not, you can find no annual fee travel cards that may make more sense for businesses with smaller budgets.
No introductory 0% APR offer
Credit cards with intro 0% APR offers for new cardholders are so common these days that any cards without them stand out -- in a bad way. The Capital One Spark 2X Miles doesn't offer an intro APR rate on new purchases or on balance transfers, which is a big lack in a competitive market. If you have large purchases coming up and were hoping to score an interest rate deal, you'll need to look somewhere else.
This card is for business owners with excellent credit -- a FICO® Score of 700 or higher. The issuer goes on to define a person in this category as one who has:
Never defaulted on a loan.
Never declared bankruptcy.
Managed a credit card account or loan for at least three years. Said product(s) should have a credit limit or total amount of more than $5,000.
Not, over the past year, paid a credit card statement, loan installment, or medical bill more than 60 days late.
The issuer says these factors are only guidelines in its decision. It will also weigh select information from the data you provide on the application and of course, your overall credit history.
Is the annual fee worth it?
As with any product that carries a charge, you should be willing to pay an annual fee for a credit card only if you're going to get enough use out of the card. Use is the key here. In the case of Capital One Spark 2X Miles, right off the bat, will you and your business spend enough to qualify for the sign-up bonus? Those miles alone are worth $500 in travel statement credit, which is more than enough to cover five years of the annual fee.
Beyond the sign-up bonus, consider how much annual spend you (and your employees) will be putting on the card. The annual fee is only worth it if you'll earn enough each year to cover the fee -- and then some -- long after your sign-up bonus is gone.
For Capital One Spark 2X Miles, the math works out like this: You and your team will need to hit 9,500 miles per year (equating to $95 in travel redemptions) to reach that $95 annual fee. This breaks down to an annual spend of $4,750, averaging out to just under $396 per month for all cardholders.
If your spending will far exceed that minimum, the Capital One Spark 2X Miles could be well worth the annual fee. But if that's at or near your budget, consider a no-fee card that won't eat up most of your rewards.
The Capital One Spark 2X Miles is right for you if:
The Capital One Spark 2X Miles is a solid pick for business owners who want a simple way to earn competitive travel rewards. It may be especially lucrative for businesses with multiple employees who can all earn the same 2x miles per dollar. Having several cardholders spend on at least a semiregular basis will keep the miles tally rising.
Smaller businesses or those with less annual spending may not see as many benefits, especially in light of the annual fee that kicks in the second year. These cardholders may be better off checking our list of credit card reviews for a card with no annual fee.
The Capital One Spark 2X Miles vs. the competition
See how the Capital One Spark 2X Miles compares against some our favorite business credit cards available today.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
FAQs
The credit limit for the Capital One Spark 2X Miles varies significantly based on creditworthiness and can range from $500 to $50,000 or more. Since this is a business card, credit limits tend to be higher than they are on consumer cards, especially for applicants with high credit scores and incomes.
To redeem Capital One Spark miles, log in to your credit card account and click "Redeem." Choose a way to redeem your miles and proceed through the redemption process. Capital One lets you use your Spark miles for flights, hotels, vacation packages, transfers to travel partners, and more.
The Capital One Spark 2X Miles is a Mastercard.
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