Spark Miles Visa Signature Card
The Capital One Spark Miles Visa Signature Card is a solid choice for anyone looking to build some straightforward and easy to redeem reward points. The annual fee that kicks in the second year of holding the card brings it's value which the same case for it's personal counterpart the Capital One Venture Card. Of course, if you're using it for business expenses it will be easy to break even with the annual fee with only $4,750 in yearly spend.
The Capital One Spark Miles Visa Signature Card earns Spark Miles at a flat rate and does not feature any specific bonus categories. There is no limit to the amount of miles you can earn with this Capital One business card.
2x All Purchases
The Capital One Spark Miles Visa Signature Card earns an unlimited 2 Spark Miles per $1 spent on all purchases which is equal to a 2% return. If you're using this Spark Card for business related purchases, there are a great deal of cards that can earn a better return on several bonus categories that focus directly on business expenses. When it comes to strictly earning double points, the AMEX Blue Business Plus Card does it slightly better due to not having an annual fee.
Perks and Benefits
Capital One Business Card Perks
The Capital One Spark Miles Visa Signature Card comes with a few useful perks for small businesses such as quarterly and year-end summary which provides a custom, itemized report of spending. This card also grants Visa Business Benefits which features auto rental collision damage waiver, purchase security and extended protection, travel and emergency assistance services, and much more. Their Visa Guide To Benefits lists all the specific details.
Sign Up Bonus
This standard sign up bonus for the Capital One Spark Miles Visa Signature Card is a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. 50,000 Capital One Spark Miles is worth $500 ($0.01 each) when redeemed for travel. Redeeming for gift cards or cash will lower the point value.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Capital One Spark Miles Visa Signature Card annual fee is $0 the first year, then $95 thereafter. The Spark Miles card is worth it in the first year, but the second year will devalue your points slightly due to the annual fee.
Authorized User Fee
The Capital One Spark Miles Visa Signature Card does not charge a fee for adding additional users. Add employees, family, and friends to help build up a solid amount of Spark Miles.
Foreign Transaction Fee
There is no foreign transaction fee for using the Capital One Spark Miles Visa Signature Card overseas. This allows you earn the same double miles bonus when traveling worldwide.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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