Capital One Spark Miles Business
Apply now Award System
Bank
Reconsideration Phone
800.867.0904
Breaking Points
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 50,000 | $4,500 | 1.1 ¢ | $25 | $0 | $625 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Wyndham transfers | 2x Miles on every purchase, erase travel purchases, primary car insurance. | No CR , 5/24 |
Spend Categories
2X points
2.2¢ Per Dollar Spent
5X points
5.5¢ Per Dollar Spent
5X points
5.5¢ Per Dollar Spent
Card Benefits
Get up to $120 statement credit for Global Entry, or TSA PreCheck.
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.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Call 1-800-847-2869; a flat $69.95 charge for towing up to 5 miles, tire changing, jump starting, locksmith service, fuel delivery and standard winching; cardholder will be charged for any additional services or goods provided.
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.
If you find a lower price within 120 days of purchase, you can be reimbursed for the difference.
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
Why You Might Want This Card
Check out our Capital One Miles page for more details on how to best use Capital One Points.
Bottom Line
If you're stuck in 5/24 purgatory, but you have some sizable business spends coming up -- this might be a solid no-hassle business card for you. You don't have to keep track of much, but you'll have to wait on the 200,000 point bonus special offer. The 50,000 point sign-up bonus might be attractive enough for smaller spenders due to Capital One Miles flexibility.
Application Rules
Ranking of Cards Offering Capital One Miles
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database: