Capital One Spark Miles for Business — Full Review [2025]

Great Card If

• You want a card that doesn’t require you to worry about bonus categories
• You want a card with access to transfer partners
• You prefer a card with a low annual fee

Don’t Get If

• You want a card that offers premium perks and more travel protections
• You have high expenses in a certain category and want a card that will maximize those purchases

Capital One Spark Miles Card — Is It Worth It?

If you’re a business owner looking for a card that earns transferable rewards, is a great option for all purchases, and doesn’t have a high annual fee, then the Capital One Spark Miles card could be very worth it for you.

Additionally, the card includes benefits like a Global Entry or TSA PreCheck credit, no foreign transaction fees, and more.

Capital One Spark Miles Card Top Benefits

Global Entry or TSA PreCheck Credit

If you hate waiting in line at the airport, having Global Entry and/or TSA PreCheck is hugely beneficial in getting you through lines much faster.

If you’re not sure of how these 2 programs differ, TSA PreCheck offers expedited airport screening at U.S. airports, while Global Entry provides an expedited Immigration and Customs experience when entering the U.S. from abroad.

If both sound great, fortunately, you don’t have to decide between them as those who apply and are approved for Global Entry also receive TSA PreCheck, and the $120 application fee is covered every 4 years with your Capital One Spark Miles card.

Extended Warranty Coverage

When you purchase products with your card, you’ll receive 1 year of additional warranty coverage on manufacturer’s warranties of 3 years or less.

Best Ways To Earn and Redeem Your Capital One Miles

In our view, Capital One Miles are one of the most valuable travel rewards currencies thanks to their flexibility and transferability. They can help you both offset virtually any travel purchase you can make and help you book luxury travel experiences for a fraction of the standard cost. You’ll definitely want to learn all of the ways to earn Capital One miles so that you can build up as large of a balance as possible.

Building up your miles balance is only half the battle, though, and while you’ll have plenty of options when it comes to redeeming your miles, some can offer you significantly more value than others. To help steer you in the right direction, read through our guide on the best ways to redeem Capital One miles.

Alternative Cards to the Capital One Spark Miles Card

Ink Business Preferred^® Credit Card

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel^SM
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 20.24% - 26.24% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

For the same $95 annual fee, the Ink Business Preferred card might be better suited for you if you’re looking for a card that offers a variety of bonus categories.

It offers 3x points per $1 spent on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.

Plus, it still earns flexible rewards with access to transfer partners and includes perks like cell phone protection, rental car insurance, purchase protection, trip cancellation insurance, and more.

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

If you really like the idea of earning 2x points per $1 spent on all purchases so that you don’t need to worry about bonus categories, the Amex Blue Business Plus card offers this, too, but without an annual fee.

The drawback is that the 2x points are limited to the first $50,000 in spend each year, and you’ll earn 1x point per $1 spent thereafter, so you’ll want to take the annual spend of your business under consideration.