Capital One Spark Miles for Business Card

Card Value & Capital One Miles Calculator

Fees

Earning Rates

Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn unlimited 2X miles per dollar on all other purchases

Intro Bonus

Main Benefits

TSA PreCheck or Global Entry application fee credit, free employee cards, and no foreign transaction fees.

Rewards Details

Spark miles are worth 1 cent each when redeemed for travel purchases through Capital One, but can be worth as much as 2 cents or more when transferred to Capital One's airline and hotel partners.

Our Take

The Spark Miles for Business is a great option if you're looking for flexible travel rewards that can be transferred to partner programs and redeemed for high value. If you're not planning on transferring miles to Capital One's airline and hotel partners, you would be better off with another business card.

Last Updated: 11-07-2024

Card Details

How to calculate miles for the Spark Miles for Business Card

The Spark Miles for Business Card earns Spark Miles at the following rates:

5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel.
2 miles per dollar spent on all other purchases.

Spark Miles for Business miles value calculator

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Spark Miles for Business benefits

Here are the main benefits of the Spark Miles for Business Card:

Global Entry or TSA PreCheck® Credit: Get up to a $120 credit when you use your card to pay for a Global Entry or TSA PreCheck application fee.
The Premier Collection: Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking.
Capital One Lounge: Relax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options.
Employee Controls: Enjoy free employee cards, earn rewards on employee spending, manage users from anywhere, and monitor employee spending.
Purchase Coverage: Rental Collision Coverage, Roadside Assistance, and Extended Warranty.

Spark Miles for Business transfer calculator

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Spark Miles for Business fees

Annual Fee

The Spark Miles for Business Card has a $0 intro annual fee for the first year, then $95 thereafter.

This card really shines if you plan on transferring your miles to Capital One's airline and hotel partners as you'll be able to get higher than the average 1 cent in value per mile. If you don't plan on primarily transferring points, the card can still be a top-notch choice if your business runs heavy spend through the card.

Authorized User Fee

There is no fee to add authorized users to the Spark Miles for Business Card. Adding employees cards can help you earn valuable miles for business faster.

Foreign Transaction Fee

The Spark Miles for Business Card has a 0% foreign transaction fee. This is fantastic if your business deals with international shopping or travel since you will not be penalized when making purchases in non-U.S. dollars.

Spark Miles for Business miles calculator

Use the Spark Miles for Business calculator to determine how many miles you can earn based on the monthly or yearly spending amounts you enter. Compare results side by side up to two credit cards from any issuer.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.