The Capital One Spark Miles for Business, issued by Capital One, is a solid choice in the market.
Capital One Spark Miles for Business Payoff Analysis
Capital One Spark Miles for Business Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Capital One Spark Miles for Business | |
|---|---|
| Issuer | Capital One |
| Network | Visa (Visa Signature Business) |
| Card Material | Plastic |
| Annual Fee | $95.00 |
| Base Rate | 2.00% |
| Travel Rewards | 5.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (7y ago) |
| Minimum Credit Line | $2000 |
Welcome Offer
| Bonus | 50,000 Miles |
| Spend Requirement | $4,500 |
| Timeline | 90 days |
| Efficiency Score | 11.11 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 2.00% |
| Hotels and Rental Cars via Capital One Travel | 5.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Transfer Partners
| Accor Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| AeroMexico Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Air Canada Aeroplan | 1.5¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Avianca Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| British Airways Executive Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Cathay Pacific Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Choice Hotels Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Emirates Skywards | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Etihad Airways Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| EVA Air Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| finnair | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Air France-KLM Flying Blue | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Qantas Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Singapore Airlines KrisFlyer | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| tap-air | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Turkish Airlines Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Virgin Atlantic Flying Club | 0.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
| Wyndham Rewards | 1.0¢ ? Standardized point-to-point transfer rate before valuation boost. (1:1 Ratio) |
Pricing Details
| Purchase APR | 32.24% - 32.24% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | 4% |
| Late Payment Fee | Up to $39 |
| Minimum Interest Charge | $0.00 |
| Grace Period | 25 days |
| Penalty APR | None |
Official Resources
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | Available |
Strategy & Eligibility
| Min. Credit Score | 700+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (None) |
| Closure Grace Period | None |
Comparisons
See how the Capital One Spark Miles for Business compares to other cards.