Key Takeaway
Capital One Spark Miles Select for Business offers 1.5x miles on all purchases with $0 annual fee and 5x on hotels and rental cars booked through Capital One Travel. It is an entry-level card with no foreign transaction fees.
- 1.5x miles on every business purchase with zero category tracking
- 5x miles on hotels and car rentals booked through Capital One Travel
- $0 annual fee and free employee cards, with full access to 15+ airline transfer partners
Capital One Spark Miles Select for Business Overview
The Capital One Spark Miles Select for Business is designed for small business owners seeking straightforward travel rewards without an annual fee:
- Rewards Rate: Unlimited 1.5x miles per dollar on every business purchase.
- Travel Portal Multiplier: 5x miles on hotels and rental cars booked through the Capital One Travel portal.
- Annual Fee: $0.
- Foreign Transaction Fees: None.
Comparison: Spark Miles Select vs. Venture X Business
For businesses spending more than $20,000 annually, the premium Capital One Venture X Business ($395 annual fee) is typically far more lucrative:
- Earns 2x miles on all spend (a 33% higher baseline rate).
- Includes a $300 annual travel credit and 10,000 anniversary bonus miles (worth $100), effectively offsetting the entire fee.
- Provides unlimited airport lounge access (Capital One Lounges and Priority Pass).
Recommended Cards for This Strategy
Capital One
$395/yr
Capital One Venture X Business
Base Return
1.0%
Top Category
10x / %