Spark Miles Select from Capital One review |

Spark® Miles Select from Capital One® review

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Spark® Miles Select from Capital One®

Earn 1.5x miles on all spending with this no-annual-fee card.

  • Get this card if you want travel benefits and a simple rewards structure — all for no annual fee.
  • Pick something else if you want cash back or a larger signup bonus.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameSpark® Miles Select from Capital One®
Card TypeVisa
Annual Fee$0
Standard Purchase APR15.24%, 19.24% or 23.24% variable
Intro Purchase APR0% for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
Standard Balance Transfer APR15.24%, 19.24% or 23.24% variable
Intro Balance Transfer APR


Cash Advance Rate25.24% variable
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $39
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome Offer20,000 miles after spending $3,000 in the first 3 months
Rewards1.5x miles on all purchases
Base Rewards1.5x miles
Rewards Points ExpiryNever

The basics

The Spark® Miles Select from Capital One® has a simple appeal: You’ll earn 1.5x miles on all spending. The card’s signup bonus leaves a little to be desired at 20,000 miles after spending $3,000 on purchases in the first 3 months. A value of only about $200 in travel purchases.

If you like the Spark® Miles Select from Capital One® but want slightly more powerful rewards, try the Spark® Miles from Capital One®. It has a $95 annual fee starting the second year, but it offers 2x miles on all spending. It also offers a more valuable signup bonus: 50,000 bonus miles after you spend $4,500 on purchases within the first 3 months.

Another pick for travel rewards

The Business Platinum® Card from American Express

  • Welcome offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more.
  • You can get up to 1 million additional points per year.
  • 35% airline bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms apply
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See Rates & Fees

The perks

  • Annual fee: None.

    When expenses are tight, rest easy knowing you won’t pay an annual fee for the Spark® Miles Select from Capital One®. You can get the card and keep it long term without feeling pressured to offset its cost with rewards.

    Many business credit cards come with annual fees. In that regard, the Spark® Miles Select from Capital One®’s $0 annual fee stands out.

  • Rewards: 1.5x miles on every purchase.

    On all purchases you make with your card, you’ll earn 1.5 miles per dollar you spend. This flat rate is attractive if you don’t want to keep track of multiple reward tiers, or your spending is spread over different categories.

    You can redeem your miles for statement credit or for flights, hotels, car rentals and more through Capital One’s Rewards Center. There’s no minimum to redeem your miles.

  • Signup bonus: 20,000 bonus miles.

    When you spend $3,000 on purchases in the first 3 months, you’ll earn 20,000 miles. According to Capital One, that’s worth $200 toward travel.

    This is a low signup bonus compared to other business credit cards. Still, most business credit cards with great signup bonuses also come with annual fees.

  • Intro APR: 0% for 9 months on purchases.

    For the first 9 months after opening your card, you’ll receive a 0% intro APR on purchases. After that, you’ll receive a variable purchase APR of 15.24%, 19.24% or 23.24% depending on your credit.

You’ll also like …

  • No foreign transaction fees.

    You won’t incur fees when you use your card abroad or on international sites. Typically, providers charge a 3% fee each time you use your card for an international transaction. It doesn’t sound like much, but it can add up over a trip spanning several days.

    Since the Spark® Miles Select from Capital One® comes with no foreign transaction fees, it’s an excellent choice for vacations or business trips.

  • Add employee cards at no cost.

    You can add employees to your card account and earn rewards on their spending.

  • Travel benefits.

    When you rent an eligible car with your Spark® Miles Select from Capital One®, the vehicle is covered against collision or theft.

    Also, get access to Visa emergency services like legal or medical referrals, ticket replacement and other forms of travel assistance.

  • Purchase security and extended protection.

    Eligible items you buy with Spark® Miles Select from Capital One® are covered against theft or accidental loss. You can also enjoy extended warranties on eligible items to further protect your business’s assets.

What to watch out for

  • Potentially high APR.

    Your ongoing APR for purchases and balance transfers could be as high as 23.24% variable depending on your credit.

  • No intro APR for balance transfers.

    The Spark® Miles Select from Capital One® offers a 0% intro APR for purchases only.

  • Penalty APR.

    If you make a late payment, Capital One may raise your purchase, balance transfer and cash advance APR to 31.65% variable. This is known as a penalty APR. Capital One may apply this rate to your account indefinitely.

Compare business credit cards

Updated June 27th, 2019
Name Product Rewards Purchase APR Annual Fee
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
0% intro for the first 15 months (then 14.49% to 21.49% variable)
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.49% to 21.49% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% intro for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

What size business is the Spark® Miles Select from Capital One® good for?

The no-annual-fee Spark® Miles Select from Capital One® can be a good choice for businesses of all sizes. Because it offers 1.5x miles on all purchases, it’s probably most effective if your business spends evenly in a variety of categories.

If your business has a high volume of spending in specific categories, you might earn more rewards from a different card. For example, the Ink Business Preferred℠ Credit Card offers 1x points in categories like travel, shipping purchases and select online advertising on up to $150,000 in combined purchases each card year, then 3x points after that. And if you take a lot of business flights, you might like an airline credit card.

What should I know before I apply?

To apply for the Spark® Miles Select from Capital One®, you must be:

  • At least 18 years old.
  • A resident of the US or a US military location.

Information you’ll need

To complete the application, you’ll need to provide information about yourself and your business, including:

  • Your name, residential status and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and source of income.
  • The name of your business, its mailing address and its employee count.
  • Your years in business and annual business revenue.
  • Your tax identification number.

What credit score do I need?

You’ll have a better chance of approval for the Spark® Miles Select from Capital One® if you apply with a good to excellent credit score of 670 or higher. If you have a healthy business and excellent credit, your likelihood of approval is strong.

Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report.
    If you have several hard inquiries — or hard pulls — on your report, it could imply you’re having trouble managing your debt. Capital One might think you’re desperate for credit and may be less likely to take you on as a customer.
  • Factors that tie into your credit score.
    Your credit utilization is a major factor Capital One considers. Customers with low balances relative to their credit limit are generally preferred. Having many new card accounts may be a red flag too, as it could indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for signup bonuses.

What do customers say about the Spark® Miles Select from Capital One®?

Customers typically like the rewards they earn, saying the card is a good choice for small businesses. Some cardholders say they were approved for high credit limits, which made it easier for them to complete business purchases.

The Capital One Financial Corporation has been accredited with the Better Business Bureau since 1995 and earns an overall A+ rating as of June 2018. However, over 90% of its customer reviews are negative, with many cardholders having issues disputing fraudulent charges and making payments.

The company earns a Trustpilot score of 4.6 out of 10. Many negative reviews cite poor customer service for account issues such as bill pay and penalty fees. Other reviews say Capital One offers good cardholder benefits and friendly service. Overall, your mileage may vary with Capital One customer support.

How to apply for the Spark® Miles Select from Capital One®

  1. Go to the Capital One website and click Apply now.
  2. Complete the application with details like your name, address, annual income, Social Security number and business information.
  3. Review and submit your application.

How long will it take to get my Spark® Miles Select from Capital One®?

Because conditional credit approval is automated on the site, you may get a decision on your application within a few minutes. After you’re approved, you’ll typically receive your card within 7 to 10 business days.

I got the card. Now what?

  • Track your spending. Monitor your spending and payments online 24/7.
  • Avoid fees. Avoid late fees of up to $39 by setting up automatic payments for billing statements.
  • Earn more rewards with your employees’ help. Earn extra rewards by adding employees to your card account as authorized users.
  • Contact customer service. Call Capital One at 800-867-0904 or by signing in to your Capital One account online if you run into any issues with your card.

Bottom line

The Spark® Miles Select from Capital One® keeps things simple with 1.5x miles on all purchases and no annual fee. It’s a solid pick if you want a no-frills card that rewards a variety of spending.

If you’re not convinced this is the card for your business, compare your options using our guide to business credit cards.

Frequently asked questions about the Spark® Miles Select from Capital One®


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