This card is not currently available here, but you can check out our Best credit cards of 2024 for additional options.

Capital One® Spark® Miles Select for Business Review

This card offers an easy way to earn rewards. Plus, there are no blackout dates, seat restrictions, or expiration dates on the miles you earn, giving you greater freedom. Information for this card not reviewed by or provided by Capital One.
author Jennifer Doss

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business
Our Rating:   
Excellent, Good

CardRatings Editor's Analysis: Pros & Cons

  • This is one of the select few business travel rewards cards that carry no annual fee
  • The flexible rewards program is great for those who prefer not to be tied to any one brand
  • Sign up now and receive a 0% intro APR on purchases for nine months (then, RegAPR).
  • If you plan to spend $1,000 or more monthly, Capital One Spark  Miles for Business may be a better choice to earn greater rewards.
Terms and Limitations Apply.

At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

CardName Credit Card Essentials

Perfect for the small business owner who has the occasional travel need, and who is also strongly keeping budget in mind, the no annual fee CardName makes a great business partner. Companies that spend tens of thousands of dollars a year can quickly earn enough rewards points or miles to dwarf a card's annual fee, but start-up businesses and other frugal companies may not always have that ability.

The CardName might not be quite as well-known as some other business credit cards on the market, but for those with a modest monthly budget, it has its perks. Card members earn 1.5 miles for every dollar spent, and if you can average $1,000 per month with the card, for the first three months at least, you'll find yourself with 20,000 bonus miles, which translates to about $200 in travel credit. Furthermore, you can earn five miles per $1 on your car rental and hotel purchases through Capital One Travel. There are no blackout dates or seat restrictions, and you can even get employee cards for free should you have the need.

Additional CardName features include:

  • 0 percent intro APR for nine months - RegAPR after that
  • No foreign transaction fees
  • Auto rental damage waiver
  • Travel and emergency assistance services
  • Purchase security and extended warranty protection

Top Features

 Rewards
1.5 Miles per $1 on every purchase.
 Bonus Rewards
20,000 Miles once you spend $3,000 on purchases within the first 3 months from account opening
 Annual Fee
$0

What Our Editors Like Best About the CardName Credit Card

One of the best things about the CardName credit card is that it comes without the need for brand loyalty. Rewards and bonus miles never expire and are not limited to specific companies. Also, should you travel internationally, there are no foreign transaction fees.

Any time you travel you'll have access to a plethora of benefits including auto rental collision damage waiver, purchase security and extended warranty protection, and travel and emergency assistance services. This includes coverage for any damage caused by collision or theft when you rent an eligible car, as well as a wide range of emergency services including legal or medical referrals.

With credit card fraud at an all-time high, we also love the fraud protection benefit that comes with this card. Not only are cardholders not liable for purchases they did not make, they are also kept informed in real time of any suspicious activity on the account via a text, email, or phone call.

The best part though is that this all comes at no extra cost to you. Talk about bang for your buck!

Potential Downsides of the CardName Credit Card

Earning 1.5 miles on every purchase isn't bad (or even the five miles on certain travel purchases), but it also isn't amazing, especially when comparing it to some other business credit cards that earn two miles per dollar on all purchases, such as the CardName credit card, compared below. The major trade off though is that there is no annual fee, and considering the fact that many credit cards offer only one mile or point for each dollar spent outside of bonus categories, a 1.5 mile earnings rate could be considered a great deal. This card is really ideal for small and/or new business owners who are okay with sacrificing major point earning potential in favor for no annual fees.

How the CardName Credit Card Compares to Other Cards

CardName Credit Card vs. CardName

The most obvious difference between these two cards are the sign up bonus offers. The CardName offers new users 100,000 bonus points once spending $8,000 in the first three months of account membership. Compare that to the CardName credit card's welcome bonus rewards offer of 20,000 points (earned once spending $3,000 in the first three months). That's $1,250 in travel money versus $200.

With the Chase CardName, users earn 3 points for every dollar spent on travel up to $150,000, however, only 1 point is earned on purchases made outside of the travel category. Again, with the CardName credit card, users earn 1.5 points on everything and five miles per $1 on select car rental and hotel bookings.

Another thing to note is that with the Chase CardName, if you redeem points through Chase Ultimate Rewards®, your points are worth 25% more. Are the Chase perks worth enough to offset its $95 annual fee? Only you can be the judge of that.

CardName Credit Card vs. CardNamediscontinued

One of our favorite perks of the CardName credit card — no need for brand loyalty — is what sets it apart from the CardName. Only Costco members can apply for that card. That is brand loyalty at its best.

CardName cardholders earn 4 percent on gas purchases up to $7,000 a year, 3 percent on restaurant and travel purchases, and 2 percent on Costco purchases - then just 1 percent on everything else.

Though the CardName credit card doesn't offer category bonuses or tiered rewards, it does offer flexibility. You choose when and where you shop and you'll be rewarded 1.5 points on every dollar you spend. It's as simple as that.

If your heart lies with Costco, you know the choice you need to make. However, if you enjoy shopping around and not being tied to one store or website, the CardName credit card might be the card for you.

CardName Credit Card vs. CardName Credit Card discontinued

The CardName card one-ups the CardName credit card all along the rewards route. The CardName credit card offers 2 miles on all purchases and five miles on car rentals and hotels through Capital One Travel versus the CardName credit card's 1.5 and five, and while they both offer one-time bonus rewards, the annual fee version of this card is more substantial: Earn 50,000 miles after spending $4,500 in the first three months of account membership. Additionally, the annual-fee version of the card offers up to a $100 credit for one Global Entry or TSA PreCheck® application fee.

Though the CardName credit card might offer some stronger rewards than the CardName credit card, there are a couple big differences to point out between the two: the CardName credit card has no annual fees, as well as introductory 0% purchase APR for the first 9 months (then RegAPR), compared to the CardName card's RegAPR APR, and annual fee (AnnualFees). What's more important to you? No annual fees and a little extra time to pay of some large purchases interest free, or extra bonus miles? Again, only you can decide.

Who Should Get This Card?

The best applicant for the CardName credit card is someone who wants flexibility with how they use their credit card (and earn rewards), but who doesn't use their card quite enough to offset the cost of an annual fee. This card is also a great option for any small business owner who is looking for a little extra time to pay off a large expense, thanks to the introductory, 9 month, 0 percent purchase APR offer.

Capital One® Spark® Miles Select for Business Compared to Other Travel rewards Cards

Apply online for Chase Sapphire Reserve®
Apply online for Mastercard® Titanium Card™
Apply online for Capital One Venture Rewards Credit Card
Apply online for Citi Premier<sup>®</sup> Card
Rewards
1.5 Miles per $1 on every purchase. 
Rewards
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel? immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 
Rewards
Flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values. 
Rewards
2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 
Rewards
Earn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels. Earn 1 Point per $1 spent on all other purchases. 
Bonus Rewards
20,000 Miles once you spend $3,000 on purchases within the first 3 months from account opening  
Bonus Rewards
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.  
Bonus Rewards
N/A  
Bonus Rewards
Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening  
Bonus Rewards
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.  
Annual Fee
$0 
Annual Fee
$550 
Annual Fee
$195 
Annual Fee
$95 
Annual Fee
$95 

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.