Capital One Spark Miles Select for Business – Full Review [2025]

Great Card If

• You want a card that earns transferable rewards with no annual fee
• You don’t want to worry about keeping track of bonus categories

Don’t Get If

• You prefer a card with premium perks like airport lounge access
• You want a card that offers bonus categories for the purchases your business spends the most on

Capital One Spark Miles Select Card — Is It Worth It?

For business owners who want a $0-annual-fee credit card that earns transferable rewards and unlimited 1.5x miles on all purchases, the Capital One Spark Miles Select card is a good option to consider.

While the card doesn’t come with many benefits, especially compared to business credit cards that charge an annual fee, it still offers useful perks, including Hertz Gold Plus Rewards Five Star status, rental collision coverage, roadside assistance, extended warranty coverage, and no foreign transaction fees.

Capital One Spark Miles Select Card Top Benefits and Perks

Here is a complete look at the benefits you can expect from the Capital One Spark Miles Select card:

• Hertz Gold Plus Rewards Five Star status: Includes benefits like a 1-class upgrade and 25% bonus points on rentals
• Rental collision coverage: Covers accidental damage or theft to your rental car when you decline the rental car’s policy and pay for your rental with your card.
• Roadside assistance: Get free assistance in an auto-related emergency, such as a flat tire, a dead car battery, or towing.
• Extended warranty coverage: Extends eligible warranties on items purchased with your card by up to 1 additional year.
• No foreign transaction fees: Continue to use your card during international travel to earn 1.5x miles on all purchases without paying added foreign transaction fees.

Best Ways To Earn and Redeem Your Capital One Miles

The best way to earn Capital One miles is to use your Capital One Spark Miles Select card for business purchases, especially hotels and rental cars booked with Capital One Travel. All other purchases earn an uncapped 1.5x miles.

Once you’re ready to redeem your Capital One miles, you’ll have the choice of cash-back, entertainment purchases, gift cards, using your miles as a payment method with select merchants, purchases made through Capital One Travel, or transfers to Capital One transfer partners.

While the exact valuation you’ll receive for your Capital One miles will vary based on how you redeem them, we highly recommend redeeming your miles through Capital One’s transfer partners to get the highest value possible. Doing so will allow you to book top-notch travel experiences for far less than the price would usually cost.

Alternative Cards to the Capital One Miles Select Card

The Blue Business^® Plus Credit Card from American Express

The Amex Blue Business Plus card is one of the best business cards with a $0 annual fee that earns transferable rewards (rates & fees). With it, you’ll earn 2x points on all purchases on up to $50,000 in spending per calendar year, and 1x thereafter. Additionally, it comes with perks such as purchase protection and extended warranty protection.

While it earns 33% more points on your purchases than the Capital One Spark Miles Select card, the $50,000 cap on 2x rewards might be too limiting for business owners with significant annual spending.

Ink Business Preferred^® Credit Card

If you’re comfortable paying a relatively small annual fee, the Ink Business Preferred card is definitely worth considering.

It is an excellent option for those looking to maximize certain business expenses, thanks to its 3x Ultimate Rewards points 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.

Further, it offers access to the Chase transfer partners and perks such as cell phone protection, rental car insurance, purchase protection, and trip cancellation insurance.

For the purchase protection benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.