Capital One® SparkSM Miles Select for Business
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Miles - Any Airline
| Initial Bonus None |
Base Earn 1.5 miles / $1 |
Max Earn 1.5 miles / $1 |
Earn / Redeem Limit No |
- Get a 50% bonus on the miles you earn every year.
- Earn 1 mile per dollar on every purchase, every day.
- There's no limit to the amount of miles you can earn and miles don't expire.
- Fly on any airline, anytime, with no blackout dates or seat restrictions.
| Intro Rate 0% |
Intro Period until December 2012 |
Regular Rate 14.9% - 19.9% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate14.9% - 19.9% (V) | Balance Transfer Fee None |
| Cash Advance Rate 24.9% (V) |
Cash Advance Fee 3% (min $10) |
- Save with 0% intro APR until December 2012.
- Enjoy no annual fee.
- Max Late Fee: $39
- Max Overlimit Fee: $39
- Max Penalty APR: 29.4% (V)
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
If you currently have the Capital One® SparkSM Miles Select for Business and are satisfied or you like the terms of this credit card offer please let your friends know.
If you are interested in the Capital One® SparkSM Miles Select for Business, check out the following credit cards as well:
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Capital One® SparkSM Miles Select for Business is related to the following credit card categories:
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Capital One® Spark℠ Miles Select for Business shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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You’d think “select” rewards would be better than non-select rewards, but Capital One offers a few different Spark Business credit cards, and the Spark Miles Select Card is certainly not the best one. You see, the Capital One Spark Miles Card offers 2 miles per $1 spent as well as a decent initial bonus, while the Capital One Spark Miles Select for Business only gives you 1.5 miles per $1 and does not have an initial bonus. I suppose the difference lies in the fact that the non-select business card has an initial fee beginning in the second year while the Spark Miles Select Business Credit Card never has an annual fee. But many rewards business credit cards don’t have annual fees. Besides, it might be worth it to pay a bit extra to get better rewards than either the Capital One Spark Miles Select Business Credit Card or the Capital One Spark Miles Business Credit Card offers. And if you do not travel often for business, another rewards currency (i.e. cash or points) will likely be more rewarding than Capital One Spark Miles, Select or not. For instance, the Capital One Spark Cash for Business offers a full 2% cash back across all purchases and only has a $59 annual fee that begins in the second year. The Ink Bold with Ultimate Rewards gives you a 50,000 point initial bonus redeemable for $500 cash or $625 in travel and offers 5 pts per dollar on your first $50,000 in business expenses each year ($95 annual fee beginning in the second year). Both cards would also provide more opportunities for a non-traveling small business owner to redeem than the Capital One Spark Miles Select Business Credit Card, which means more opportunity to benefit from your card and less of a threat of rewards devaluation. Your basic strategy should be to focus on getting whichever business rewards card provides the most cost-effective value. Focus on cards with rewards targeted to your biggest expenses and if a card has an annual fee, simply determine whether its rewards will be worth the extra cost based on your spending habits. Also remember that the best business credit card strategy involves using a rewards business credit card for everyday expenses and a 0% personal credit card for funding. This will not increase your personal liability but it will enable you to get the best card terms as well as debt stability (issuers can increase interest rates for business credit cards at any time, but personal credit cards are protected by the CARD Act). As you can probably guess, the Capital One Spark Miles Select for Business Credit Card does not offer the best rewards of any business credit card, so it should not be part of your strategy.