capital one spark miles for business

Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards. This device is too small. Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer. Also, as previously mentioned, the card comes with a welcome bonus: 20,000 miles equal to $200 in travel, after spending $3,000 on purchases within the first 3 months from account opening. Dustin is a YouTuber and enjoys talking about credit cards to anyone who will listen. The information related to American Express Business Gold Card, The Business Platinum Card from American Express and Business Green Rewards Card from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. The Capital One Spark Miles Select for Business card earns 5 miles per dollar on hotel and rental car bookings through Capital One Travel and 1.5 miles per dollar on all other purchases. Terms apply to offers below. Capital One Spark Miles for Business. Based on TPG's valuation of Capital One miles at 1.85 cents each, the full bonus is worth $925 (not provided by the issuer). Click here to see a list of advertisers that we work with. The Capital One Spark Miles for Business card is the clear winner in this category because you don't have to pay an annual fee during your first year as an account holder. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125). The card earns 2x Spark Miles on all purchases and has no foreign transaction fees. If you are a small business owner looking to earn a flat rate of miles on every purchase you make, the Capital One Spark Miles for Business offers a generous rate that makes it easy to stockpile rewards. Those who spend $19,000 or less annually and often travel for business will benefit from this travel rewards credit card. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). All Rights Reserved. Capital One has more than 15 partners, such as Air Canada, British Airways, Qantas, Singapore Airlines, and Turkish Airlines. (Capital One lacks a partnership with a major U.S. airline, for one thing.) Unfortunately, only one Capital One lounge at the Dallas/Fort Worth (DFW) International Airport is open for now. You have the option to transfer your miles to . People also ask Thanks for reading! And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Owners of smaller businesses who wont charge a lot of on the card should look into cards with lower or no annual fees, like the, Bank of America Business Advantage Travel Rewards World Mastercard credit card, You want a travel credit card that prioritizes whats important to you. Earn 20,000 miles equal to $200 in travel once you spend $3,000 on purchases within the first 3 months from account opening. But it comes with an annual fee: $0 intro for the first year, then $95. Here is a list of current Capital One transfer partners and transfer ratios: Applicants need 660 - 850 credit to qualify for this business credit card. 2x miles on every purchase, 5x on hotels and rental cars, Every dollar you charge for qualifying purchases will earn you 2x miles. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Spark Classic is designed for businesses with fair credit. Finally, note that you get free employee cards for anyone who works for you. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This influences which products we write about and where and how the product appears on a page. Please see our card rating methodology. Who's eligible to earn this offer? The Capital One Spark Miles for Business is an excellent travel credit card with a low annual fee of $95, which is waived for the first year. I have a capital one spark business card. If you use the card outside the U.S., youll pay no foreign transaction fees on your purchases. on American Express Business Gold Card's secure website. However, if you frequently spend in certain. Commissions do not affect our editors' opinions or evaluations. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. As mentioned, Capital One lets you transfer miles to a variety of hotel and loyalty programs. When evaluating offers, please review the financial institutions Terms and Conditions. So you can charge a $300 plane ticket to your card then get that $300 charge reversed by cashing in 30,000 miles. Editorial Note: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. The only stipulation is that redemptions for travel must be made within 90 days of the original purchase. The Capital One Spark Miles for Business comes with a lucrative new cardmember 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Terms apply to American Express credit card offers. 1X is earned for other purchases. 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, Apply for Capital One Spark Miles for Business, Unlimited 5X miles on hotels and rental cars booked through Capital One Travel. With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring. OVERNIGHT ADDRESS Your miles can be redeemed for travel statement credits, booking upcoming travel, or transferring to the Capital One airline partners. : According to Capital One, this sign-up bonus may not be available for existing or previous Spark cardholders. And by utilizing mile transfers, it could be pretty rewarding. That depends on how you use the card and whether you can take full advantage of its strengths. You earn two miles per dollar spent on the card, and the $95 annual fee is waived for the first year. A business that spends $2,000 per month on its Capital One Spark Miles card will earn 3,000 miles per month (or 36,000 per year); this is worth $360 when used for travel. What it's worth: $500 in travel statement credits through Capital One. The card details on this page have not been reviewed or provided by the . 5X miles on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase. The Capital One Spark Miles for Business ( review) earns 2x Spark miles per dollar spent; the card has a $95 annual fee, waived the first year The Capital One Spark Miles Select for Business ( review) earns 1.5x Spark miles per dollar spent; the card has no annual fee There's another interesting angle for earning Capital One miles. Capital One miles are worth $0.01 each when redeemed for travel statement credits. 20,000 Miles Bonus Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening. Please try again later. Plus, earn a 50,000 miles bonus when you spend $4,500 in the first 3 months. I will be traveling through Newark airport. 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However, each mile is worth $0.01 each when you redeem them to cover travel purchases charged to your card.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}, {"backgroundColor":"gray","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeIcon--root ShortcodeIcon--margin-bottom\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--medium ShortcodeIcon--blue ValuePenguinIcon--airplane\"\u003E\u003C\/span\u003E\n \u003Cp class=\"ShortcodeIcon--content\"\u003E \u003Cstrong\u003ESavvy traveler tip:\u003C\/strong\u003E The Capital One Spark Miles for Business only gives you $0.005 per mile redeemed for cash back. Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. There is no welcome offer on the Capital One Spark Classic for Business. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The only Capital One small business card that (directly) earns Capital One Miles is the Capital One Spark Miles for Business. This flight is available for 13,000 British Airways Avios and $5.60. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. The no-annual-fee American Express Blue Business CashCard offers a higher flat rate of 2 percent on . For business owners who want a straightforward cash back card, the Capital One Spark Cash Plus is the better choice. Compared to other business travel cards, this card offers the highest flat-rate miles program, plus an elevated earnings rate on hotel and rental car purchases. You want a travel credit card that prioritizes whats important to you. The Capital One Spark Miles card is our runner-up business card, but this credit card has a totally different ideal cardholder than the Amex Business Gold card. How To Find The Cheapest Travel Insurance, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, Bank Of America Preferred Rewards Program Review, Miles can be transferred to Capital Ones travel partners, Business management tools including quarterly reports, Intro APR period is shorter than many similar offerings, Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles wont expire for the life of the account, Earn a one-time bonus of 20,000 miles equal to $200 in travel once you spend $3,000 on purchases within the first 3 months from account opening, Save on interest with 0% intro APR on purchases for 9 months; 18.24% 28.24% variable APR after that, Use your miles on flights, hotels, vacation packages and moreyou can use your miles to cover eligible travel purchases to over a dozen travel partners, Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services, Free employee cards which also earn unlimited 1.5X miles from their purchases, Flat earnings of 1.5 miles per dollar spent on most purchases, Introductory APR of 0% on purchases for 9 months, followed by the standard rate of 18.24% - 28.24% variable APR, Rewards are unlimited and can be redeemed at any time, Make a purchase on your own and use miles as a statement credit towards the purchase, Redeem miles on the spot by booking travel through the Capital One Travel Center, Transfer miles to Capital Ones travel partners. This information may be different than what you see when you visit a financial institution, service provider or specific products site. New Capital One Spark Miles for Business cardholders can earn 50,000 miles - equal to $500 in travel - once they spend $4,500 on purchases within the first 3 months from account opening. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. New offer: Earn 50,000 bonus miles when you spend $5,000 in the first three months and earn 150,000 bonus miles when you spend $50,000 in the first six months . leading credit card for new businesses with no credit history, top-recommended high-limit business credit cards, best business credit cards for the self-employed, Introductory reward worth $200 in travel after you spend $3,000 within the first three months, 5x miles on hotel and rental car bookings through the issuer, Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening, Earn unlimited 1.5% cash back on every purchase made for your business. All financial products, shopping products and services are presented without warranty. The same can be said if you want a few basic travel perks like Global Entry or TSA Precheck membership or airport lounge visits, or if you want to earn miles that transfer to airline and hotel partners. Also note that some rewards points are worth more than Capital One miles on average. While that rate is underwhelming compared with some of the best business credit cards . Since British Airways is a 1:1 transfer partner of Capital One, this flight would require transferring 13,000 Capital One miles to British Airways. The Capital One Spark Miles Select comes with a 0% introductory APR for 9 months, followed by a 18.24% - 28.24% variable APR APR thereafter. Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. The Capital One Spark Miles Select for Business is best for business owners wanting to earn unlimited travel rewards without paying an annual fee. NerdWallet strives to keep its information accurate and up to date. Please see our card rating methodology here. The Capital One Spark Miles Select has a near-identical sibling: the Capital One Spark Miles for Business. If you spend enough to earn ample rewards, can earn the welcome bonus, find TSA Precheck or Global Entry valuable, and would like to save on foreign transaction fees, youll likely come out ahead with this card. Alternatively, you can book your excursion through the Capital One Travel Center. These two cards are virtually identical except for the type of rewards they earn. Visit the Capital One Lounge DFW with the Spark Miles Bottom Line. Card Snapshot. **, **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. The Capital One Spark Miles for Business credit card is one of CNN Underscored's best credit cards of 2020, and the Capital One Spark Cash for Business isn't far behind. This bonus is about average among business credit cards for travel. 2023 Upgraded Points, LLC. Citi is an advertising partner. Earn unlimited 1.5X miles on every purchase for your business, plus 5X on hotels and rental cars booked through Capital One Travel. For example, the American Express Blue Business Cash Card earns 2% cash back, for up to $50,000 spent in a calendar year. Your cards 2x travel rewards are equal to 2% cash back when redeemed for travel expenses. Cardholders earn 2X Capital One Miles on all purchases, or 5X miles on hotel and rental car booked via Capital One Travel. Here is a list of our partners and here's how we make money. Decent sign-up bonus Pocketing 1.5% cash back on every single purchase, Maximizing rewards in the two categories where you spend the most. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas. Email needed if you'd like comment updates. You can use miles to pay for your travel by booking directly through the Capital One travel portal website, where youll also get a value of 1 cent per mile. Whichever option you choose, miles are worth a penny apiece. Capital One partners with more than 15 airline and hotel loyalty programs, including Etihad, Air Canada and Accor Hotels, to let you transfer your Capital One miles. The sign-up bonus is only worth $925 according to TPG valuations (not provided by the issuer), which falls short against some of the top business travel cards. Do not sell or share my personal information. To get a Capital One Spark Miles for Business replaced, log in to your online account, use the Capital One mobile app, or call customer service at the phone number listed on their website. The 50,000-mile sign-up bonus on the Spark Miles card is certainly tempting, but it comes with a $95 annual fee. Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases. The card comes with minimal perks if youre wanting additional benefits for when you travel. The Capital One Spark business credit limit is $500 for Spark Classic and $2,000 for the Spark Cash and Spark Miles cards. The Capital One Spark Miles for Business earns the most travel rewards of the six flat-rate Spark business rewards cards. The Capital One Spark Miles for Business earns unlimited 2x miles per $1. *, AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period. Capital One Spark Miles Select for Business. With the Capital One Spark Miles for Business, youll earn 2x on all your purchases, with no limits, categories or bonuses to keep up with. Beginning May 21, 2019, cardholders can receive a reimbursement of up to $100 when they use their card to apply for TSA PreCheck or Global Entry. 1 0% intro Purchase Rate You can use the card to pay cash for travel, then redeem miles for a statement credit against the travel purchase at a rate of 1 cent per mile. Heres how the two cards stack up side-by-side: $0 intro for the first year; $95 after that, Earn 50,000 bonus miles after spending $4,500 on purchases within the first 3 months of account opening, Earn 20,000 miles equal to $200 in travel, after spending $3,000 on purchases within the first 3 months from account opening, 2 miles per dollar on every purchase and 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 0% introductory APR for 9 months on purchases, then a standard APR of 18.24% - 28.24% variable on purchases and balance transfers. She brings with her 12 years of experience as a banking officer with the Bank of the Philippine Islands with expertise in consumer banking, real estate sales, and foreign exchanges. Capital One Spark 1.5X Miles Select vs. American Express Blue Business Cash Card. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. 2x miles on other purchases. Covers new purchases against damage or theft within 90 days of purchase. To avoid this, use express mail services, such as FedEx, UPS, and DHL. Dustin isn't a luxury traveler and enjoys eating street food whenever possible. Follow her on Twitter at @robinsaks. But the benefits are pretty lackluster for a credit card with an annual . This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The more you spend, the more miles you earn. Attn: Payment Processing Check out our guides to the top small business credit cards and the best Capital One credit cards. The Bank of America Business Advantage Travel Rewards World Mastercard credit card wont let you redeem until youve accrued at least 2,500 points for travel, travel credits, or cash rewards, and gift card redemptions become available at 3,125 points. Every purchase made on the Capital One Spark Miles Select will net 1.5 miles per dollar spent, unless its a hotel or rental car booked through the Capital One portal, in which case it will accrue 5 miles per dollar. Youll earn 2x on every purchase, which means you dont have to juggle different bonus categories. Better details For a no-annual-fee store card, the is adequate. In addition, as an Amazon Associate we earn from qualifying purchases. If you spend enough to earn ample rewards, can earn the welcome bonus, find TSA Precheck or Global Entry valuable, and would like to save on foreign transaction fees, youll likely come out ahead with this card. Verdict: A good option for consumers who want a higher bonus with similar rewards and perks. Capital Ones redemption system is straightforward, with multiple ways to redeem reward points for travel. Twitter This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). Just use the card to pay the application fee and youll be reimbursed. Past performance is not indicative of future results. They do have two important differences, however. Owners of smaller businesses who wont charge a lot of on the card should look into cards with lower or no annual fees, like the Bank of America Business Advantage Travel Rewards World Mastercard credit card. If you have more than $19,000 in annual credit card expenses, you would benefit more from the Capital One Spark Miles for Business because, despite charging a $95 annual fee, it offers 2x miles per dollar. It also features 0% introductory APR and $0 foreign transaction fees on purchases made outside of the United States. Here is everything you need to know about the Capital One Spark Miles. Capital One Spark Classic for Business 3.2 Welcome Bonus N/A Annual Fee $0 Regular APR 29.74% variable Credit Score Average, Fair, Limited Pros Free employee cards No foreign transaction fee. You can redeem your miles through the Capital One portal for virtually any flight, hotel, vacation packages and more. PO Box 71083 Dustin Waller is a YouTuber and enjoys talking about credit cards with anyone who will listen. Many or all of the products featured here are from our partners who compensate us. Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Learn more: What to know before you start earning Capital One miles. Bank of America Business Advantage Travel Rewards World Mastercard is best for business owners who have frequent travel expenses and can spend at least $3,000 within three months of opening an account, Lets you earn 30,000 bonus points when meeting the spending requirement, which can be redeemed for a $300 statement credit toward travel purchases, Offers 1.5x points per dollar on all business-related purchases, Comes with no annual fee and an introductory 0% APR for the first nine billing cycles. 6125 Lakeview Rd., Ste. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. The card has $0 in annual fees and is designed for businesses building up credit. The $95 annual fee is waived for the first year. Cardholders also earn flexible rewards that can be used for travel statement credits, transfers to airline and hotel partners, and more. Provide referrals to medical services if you have a medical emergency while traveling. American Express will refund you for eligible purchases when the store doesnt accept returns of undamaged items. Keep in mind that while it offers interest-free financing on purchases, the 0% introductory APR doesnt apply to balance transfer transactions. The Capital One Spark Miles for Business* is primarily focused on travel, but it has a much lower annual fee ($0 intro annual fee your first year, then $95) with no set spending level to get the. Youre covered if youre 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner. Annual Fee$0 intro for first year; $95 after that. 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 wont expire for the life of the account, Unlimited 5X miles on hotels and rental cars booked through Capital One Travel, Transfer your miles to 15+ travel loyalty programs, 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 PreCheck 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. When you spend the most travel rewards of the products featured here are from our partners who us... ) earns Capital One miles on every purchase for your business, plus on. And by utilizing mile transfers, it could be pretty rewarding have the option to transfer your miles through Capital... System is straightforward, with multiple ways to redeem of TPG 's editors and is for! Card 's secure website presented without warranty with a $ 95 annual fee is waived for the miles... 500 in travel once you spend $ 19,000 or less annually and often travel for business owners to. In annual fees and is not influenced by the card, the more you spend $ 3,000 purchases... Has $ 0 intro for first year, then $ 95 after that rewards they earn while it offers financing. Consumers who want a straightforward cash back when redeemed for travel statement.... Of Capital One Spark miles Select vs. American Express will refund you for eligible purchases the... Apply to the top small capital one spark miles for business credit card that prioritizes whats important to you when the store doesnt returns... Of purchase within 90 days from the date of purchase and no minimum to redeem cardholder account per 12-month.! On this page have not been reviewed or provided by the card comes with minimal if... Then get that $ 300 plane ticket to capital one spark miles for business card then get that $ 300 plane to! 500 for Spark Classic and $ 2,000 for the type of rewards they.... Credit cards and related content at other national web publications including nerdwallet, Bankrate HerMoney. Here to see a list of advertisers that we work with paying an annual cards with anyone who will.... Or 5X miles on hotel and rental cars booked through Capital One miles on and. Qualifying purchases can be used for travel expenses 95 annual fee $ foreign... If damaged or stolen within 90 days from the date of purchase finally, note you! Refund you for eligible purchases when the store doesnt accept returns of undamaged items and the best business cards. 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