Capital One Spark 2X Miles for Business

4.5/5 stars

A versatile travel card offering flat-rate miles on purchases and flexible redemption options.

Pros

  • $0 intro annual fee for the first year
  • Free employee cards with customized spending limits and reporting

      Cons

      • No intro APR offer 
      • High penalty APR (34.65 variable)
      • Reports on your personal credit report

      The Bottom Line

      If you’re looking to keep it simple and know that every credit card swipe is earning you points, the Capital One Spark 2X Miles for Business might be the right move.

      This page may contain affiliate links. Our assessments are grounded solely in the product’s merits and performance.

      Plans & Pricing

      Intro Offer: 

      $0 intro annual fee for the first year

      50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening

      Rewards: 

      Earn:

      • 2 miles per dollar on every purchase, with no categories to track or spending caps to worry about.
      • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel

      Eligibility

      Recommended Credit: 670-850

      Pricing information is retrieved from publicly accessible pricing materials. The actual cost may vary based on specific plans chosen. Always check directly with the seller for the final quote.

      Pricing information last updated March 7, 2024.

      Eigibility requirements mentioned are for informational purposes only and are sourced from publicly accessible information. Final eligibility for any product or service is determined solely by the vendor or service provider. 

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      Product Review

      The Capital One Spark 2X Miles for Business card keeps it simple: 2x miles per dollar on every purchase. This is great for business owners that don’t want to think about optimizing points on various purchases and want the comfort in knowing that they’re earning with every swipe.

      Here are some of its key features:

      • Capital One Travel: Unique perks like guaranteed low prices, price-drop protection, price matching, and carbon neutralization. 
      • Miles Transfer: Miles can be transferred to over 15 partner airline and hotel loyalty programs.
      • Comfort Travel Perks: $100 credit for Global Entry or TSA PreCheck, experience credits and upgrades when booking a hotel in Capital One’s Lifestyle Collection.
      • No Foreign Transaction Fees: Ideal for international travel.
      • Purchase Protection: Free additional warranty and protection on eligible items
      • Business Support: Offers expense management support in reporting, account management, and integrations with common expense management tools

      Best for: Flexible Rewards on Everyday Business Spending

      Another perk: for teams with split loyalty across airlines and hotels, a flexible travel card like the Capital One Spark 2X Miles for Business can help everyone earn.

       

      Why we love it:

      • Business Expense Support: $0 fraud liability, account managers, year-end spending summaries, detailed spending reports, and virtual cards.
      • Integrations: Capital One Business integrates with Sage Intacct 5 or Concur Expense to help businesses streamline expenses.
      • Simplicity: No need to fuss over spending categories and complex plans to optimize your rewards. 

      Capital One Spark 2X Miles for Business

      If you’re looking to keep it simple and know that every credit card swipe is earning you points, the Capital One Spark 2X Miles for Business might be the right move.

      Spark 2X Miles for Business

      A versatile travel card offering flat-rate miles on purchases and flexible redemption options.

      Continue on Capital One website

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