Capital One Spark Cash Plus Business
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Bank
Reconsideration Phone
800.867.0904
Breaking Points
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 200,000 | $30,000 | 1.1 ¢ | $0 | $150 | $2380 |
Spend Categories
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
5X points
5.5¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
5X points
5.5¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
2X points
2.2¢ Per Dollar Spent
Card Benefits
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.
Travel Accident Insurance up to $250,000 for death or dismemberment caused by travel companies and lost luggage insurance up to $3,000 per person
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You're covered on items lost or stolen within 90 days, up to $10,000 per claim, and $50,000 per cardholder.
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Capital One Miles Outside Point System
Transfers Out To
1:1 109% value retained
1:1 136% value retained
1:1 91% value retained
1:1 91% value retained
2:1.5 75% value retained
1:1 109% value retained
1:1 109% value retained
1:1 118% value retained
1:1 118% value retained
1:1 109% value retained
1:1 136% value retained
1:1 91% value retained
Bottom Line
Why You Might Want This Card
Exceptions To The Rule
About Capital One Miles
Capital One Miles fall more into the niche category. The points are extremely flexible, able to be used to reimburse you for any travel charges (Purchase Eraser). This makes their points most valuable for items like rental cars and cruises, which are not typically bookable with points.
Capital One also recently added partner airlines. The most valuable partner is Avianca, where you can book relatively cheap business class flights (30-55K each way) on Star Alliance partner flights like Lufthansa, Swiss Air, United and ANA to name just a few. Etihad Guest, Air Canada and Air France transfers may also be worth checking out -- in that order in terms of value.
The challenge is that it’s difficult to make the $50,000 spend to qualify for their bonus of 200,000 points with the Spark Miles for Business offer. Plus it’s tough to earn enough points for a full trip for two people with Capital One because of the limited number of cards and their approval restrictions. But if you have a business with a very high annual spend, grab this special offer when you see it for an easy 6x return on $50,000.
We call these points niche, not because they don’t have flexibility. It’s just more difficult to earn a high number of points, and Capital One lacks mainstream partners. If you’re under 5/24 and have already gotten all of our highest recommended cards, it might be worth a look at a Capital One card.
