Spark Miles for Business
A flat 2x-miles card for businesses that don't want to think about bonus categories — miles transfer to a wide set of airline and hotel partners, or redeem simply against any travel purchase.
Spark Miles for Business at a glance
Issued by Capital One. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $95 (waived first year)
- Credit needed
- Excellent
- Regular APR
- Variable, ~19–27%
- Foreign transaction fee
- None
Rewards
2x miles on every purchase, no bonus categories to track
Intro offer
Miles bonus after minimum spend in the first 3 months
Spark Miles for Business's annual fee vs. the cheapest and priciest cards on the marketplace
Spark Miles for Business vs. similar Travel rewards
| Criterion | Spark Miles for Business | Ink Business Preferred® | Southwest® Rapid Rewards® Premier Business |
|---|---|---|---|
| Annual fee | $95 (waived first year) | $95 | $99 |
| Regular APR | Variable, ~19–27% | Variable, ~19–24% | Variable, ~19–26% |
| Foreign transaction fee | None | None | None |
| Credit needed | Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Spark Miles for Business charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Flat 2x on everything
- +Global Entry/TSA PreCheck fee credit
- +No foreign transaction fee
Cons
- −$95 fee after year one
- −No elevated categories for businesses with concentrated spend
Spark Miles for Business has a $95 (waived first year) annual fee, requires excellent credit, and carries a Variable, ~19–27% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Simple flat-rate travel rewards without category tracking
We don't have a partnership with Capital One — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.