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Capital One® Spark Miles for Business Review

Earn 2X Miles on Every Purchase and Redeem for Travel With Flexible Options

Written by: Sebastian FungLast updated: June 18, 2025
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The Capital One Spark Miles is ideal for businesses that have a lot of non-category spend. Earn an unlimited 2X miles on all your purchases, and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One's travel booking site.

card art for the Capital One Spark Miles for Business cardCapital One Spark Miles for Business
Earn 50,000 miles after you spend $4,500 on purchases within the first 3 months from account opening

Annual fee: $0 intro annual fee for the first year; $95 after that

Sebby's Take: Earn unlimited 2x miles on every purchase, with flexible redemption options for travel. It’s a great fit for business owners who want straightforward rewards they can easily use to offset travel expenses.

Key Features


Spend multipliers:

  • Unlimited 2X miles on everything
  • Earn 5X miles on hotel, vacation rentals, and rental car books throughCapital One's travel booking site when using the eligible card
  • One statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • No foreign transaction fees
  • Free employee cards

Who Should Get the Capital One Spark Miles for Business?


If you’re someone who doesn’t want to keep track of categories and you want to redeem miles for travel, the Capital One Spark Miles is ideal for you. Redeem miles on flights, hotels, vacation packages, or transfer them out to 10+ travel partners.

Another use case is for people who have reached maximum spend in a select category from other business cards and looking to earn more than 1X on the purchases.

For example, the  Chase Ink Business Preferred Credit Card earns 3x points on the first $150,000 spent on combined category purchases on travel, shipping, internet, cable and phone services, and social ads. For people who can easily reach the $150,000 in purchases, the Capital One Spark Miles would be ideal for any additional spend.

5X Miles on Hotels, Vacation Rentals, and Rental Cars


A recently added perk is that the Capital One Spark Miles earns 5X miles on hotels, vacation rentals, and rental cars booked via Capital One's travel booking site.

One important note is that you do not earn elite status when you book through Capital One's travel booking site. If you’re chasing elite status or care about status perks, you should book the hotel directly on their respective website.

Capital One Travel Partners


The Capital One Spark Miles for Business card has access to 10+ airline partners via the Capital One Rewards Mile portal. In most cases, miles are transferred to the airline partner at a 2 to 1.5 ratio, with a few exceptions listed below.

Capital One Airline Transfer Partners:

  • Aeromexico Club Premier (2 to 1.5 ratio)
  • Air Canada Aeroplan (2 to 1.5 ratio)
  • Air France/KLM Flying Blue (2 to 1.5 ratio)
  • Alitalia MilleMiglia (2 to 1.5 ratio)
  • Avianca LifeMiles (2 to 1.5 ratio)
  • Cathay Pacific Asia Miles (2 to 1.5 ratio)
  • Emirates Skywards (2 to 1 ratio)
  • Etihad Guest (2 to 1.5 ratio)
  • EVA Air Infinity MileageLands (2 to 1.5 ratio)
  • Finnair Plus (2 to 1.5 ratio)
  • Hainan Airlines Fortune Wings Club (2 to 1.5 ratio)
  • JetBlue (2 to 1 ratio)
  • Qantas Frequent Flyer (2 to 1.5 ratio)
  • Qatar Airways Privilege Club (2 to 1.5 ratio)
  • Singapore Airlines KrisFlyer (2 to 1 ratio)

Important: Once you transfer miles to a partner, you cannot reverse the transfer. Airline miles cannot be transferred back to Capital One miles.