Spark Miles
Capital OneCredit Card

Spark Miles

Best simple business travel miles

$1Kbonus$95/yrannual fee2.0x miles per $1; value varies by redemption
Sign-up bonus
$1K
See issuer terms
Annual fee
$95
Offset by $1K bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
2.0x miles

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

Spark Miles earns a flat 2x miles on all business purchases with transfer options to airline and hotel partners. It is a practical travel card for businesses that want flexibility without complex categories.

Pros & cons
What we like
  • Unlimited 2x miles on every purchase
  • 5x on eligible Capital One Travel hotels and rental cars
  • No foreign transaction fees
  • Transferable miles to travel partners
Worth noting
  • $95 annual fee
  • Miles worth less if redeemed for cash
  • Best hotel and car rates require Capital One Travel portal
Perks & credits
$130 face value·$105 effective
Capital One Business Travel credit
Eligible bookings through Capital One Business Travel portal.
moderate
$50
$38 eff.
Advertising and software credit
Qualifying advertising or software purchases.
moderate
$50
$38 eff.
Global Entry or TSA PreCheck credit
Up to $120 credit once every four years.
easy
$30

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR20.99%–28.99% variable
Annual fee$95

Always verify current terms at the issuer before applying. See full offer details →

Spark Miles
Capital One

Spark Miles

$1K
sign-up bonus
$95
annual fee
$1,505
est. first-year value
$505
ongoing value / yr

Based on $2,500/mo spend

Apply now

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