Rewards Rates
Current Intro Bonus
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Key Cardholder Benefits
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- Free employee cards which also earn unlimited 2X miles from their purchases
Rewards Value
Spark Miles earned with the Spark Miles for Business Card will give you the best value when redeemed with Capital One's airline and hotel partners. This will give you anywhere from 0.6 to 2 cents per Spark Mile.
| Redemption Option | Mile Value (in cents) |
|---|---|
| Transfers To Capital One Partners | 0.6 - 2 |
| Travel Purchases via Capital One Travel | 1 |
| Statement credits towards travel purchases | 1 |
| Gift Cards | 0.5 - 1 |
| Cash Back | 0.5 |
Transfer Partners
Capital One Spark Miles can be transferred to a handful of airline and hotel partners, mostly at a rate of 1,000 Spark Miles for 1,000 airline miles or hotel rewards points.
This means that you can use the Spark Miles Card to earn the equivalent of 2 airline miles or hotel points for every $1 spent across most purchases.
Annual Fees
The Capital One Spark Miles for Business card has a $0 intro annual fee for the first year, then $95 after that.
Spark 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.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
Earning Rate Comparison
Want to know how the Spark Card earning rates stack up against other Spark Rewards credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.
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FAQ
What are Capital One Spark Miles worth?
Capital One Spark Miles are worth 1 cent each when redeemed towards travel. Miles can also be worth more when transferred to Capital One's airline and hotel partners.
Which is better, Capital One Spark Miles or Spark Cash?
The Capital One Spark Miles for Business is the better option if you plan on redeeming rewards towards travel and transferring miles to Capital One's airline and hotel partners. If not, you'll want to go with the Capital One Spark Cash Plus which would be better for all other redemptions.
Should I get the Spark Miles or Spark Miles Select Card?
If you value Spark Miles at 1 cent each, the Spark Miles Select for Business is the better option if you plan on spending less than $1,700 per month. If you spend more, the Spark Miles for Business will be the better choice.
