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Capital One® Spark® Miles for Business

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Capital One® - Capital One® Spark® Miles for Business

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Bank: Capital One®
Issuer: Visa®
User Category: Business Credit Card
These credit cards are for business owners who want to take advantage of credit cards to help them with all their business needs.
Card Type: Regular Card
These cards don`t require a security deposit.
Issuing Country: United States
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.

Not sure about your credit history?
Check now

Expert Rating:
Credit-Land.com experts evaluate each card using five criteria in order to help you choose the best card.
Overall:
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Card categories:
The highlighted features are those that applicable to each credit card. For more details, see the table below.
0% Intro APR
on Purch.
Shop interest-free for the entire promotional period with a 0% intro APR on purchases.
0% Intro APR
on Bal. Tr.
Pay no interest on balance transfers during the introductory period with a 0% Intro APR on balance transfers.
Rewards
Program
Get bonuses like points, miles, or cash back with credit card rewards programs.
$0 Intro Annual
Fee
$0 intro annual fee means you won’t be charged the annual fee during the introductory period. But be ready to pay as this introductory period ends.
Reporting to
Credit Bureaus
This means that the card's issuer will share information about your credit card use with the major credit bureaus - Experian, TransUnion, and Equifax.
Instant
Decision
Apply for the card and get a response in 60 seconds.
Guaranteed
Approval
Approval is guaranteed when you apply for this credit card.
No Activation
Fee
With a $0 activation fee, you pay nothing to activate your credit card.
About this Credit Card:
  • Earn 2 miles per dollar on every purchase, every day.
  • Get 25,000 bonus miles - just spend $5,000 on purchases within the first 3 months.
  • Receive 5,000 bonus miles by signing up for one or more employee cards.
  • Enjoy exclusive, award-winning customer service.
  • $0 intro annual fee for the first year; $59 after that.
  • There´s no limit to the amount of miles you can earn and miles don´t expire.
  • Redeem miles for travel, cash back, gift cards, merchandise, and more.
  • Fly on any airline, anytime, with no blackout dates or seat restrictions.
Our Expert's Valuation:
  • Incredibly easy to earn miles,
  • No foreign transaction fees,
  • Great online banking tools and mobile app.
  • Annual fee after the first year.
Everyday Purchases
Everyday Purchases with Capital One® Spark® Miles for Business:
Introductory APR: n/a
Ongoing APR: 13.9% - 20.9% (V)
Default APR: See terms
Minimum Grace Period: 25 days
Minimum Interest Charge: See terms
  • Introductory APR on Purchases.Often a credit card issuer offers a low or zero percent APR on purchases for a limited time, known as an ...
    Introductory APR on Purchases. Often a credit card issuer offers a low or zero percent APR on purchases for a limited time, known as an introductory period. This promotional period may last anywhere from three months to 21 months and will remain in effect as long as all payments are made on time, the credit limit is not exceeded, and all conditions of the card are met. If a customer goes into default, the introductory period will no longer apply. After the period ends, the regular ongoing APR will apply to any balance carried. More terms
  • Ongoing APR on Purchases.The ongoing APR is the annual percentage rate that is charged on purchases and balance transfers after ...
    Ongoing APR on Purchases. The ongoing APR is the annual percentage rate that is charged on purchases and balance transfers after any introductory offer expires. It may be variable or fixed, and the ongoing APR often varies depending on a customer’s credit rating and payment history. More terms
  • Default APR on Purchases.If you violate the terms of your agreement by making late payment, not making a payment at all or paying ...
    Default APR on Purchases. If you violate the terms of your agreement by making late payment, not making a payment at all or paying less than the minimum amount due, you may be considered in default and be subject to a default, or penalty annual percentage rate. That means that your annual rate incurred for purchases made on your credit card may be increased up to 30% and will never go back. More terms
  • Minimum Grace Period on Purchases.Grace periods, or the amount of time you have to pay a balance before interest begins to accrue, are ...
    Minimum Grace Period on Purchases. Grace periods, or the amount of time you have to pay a balance before interest begins to accrue, are usually 25 days long but may be longer or shorter. Most cards offer a grace period on purchases as long as the account is current and all payments are being made in accordance with the terms and conditions of the account. More terms
  • Minimum Interest Charge on Purchases.The minimum interest charge on purchases will be charged when there is no grace period or introductory ...
    Minimum Interest Charge on Purchases. The minimum interest charge on purchases will be charged when there is no grace period or introductory rate that applies. It may be dependent on your APR or it may be a fixed fee and represents the lowest amount you can be charged for interest. More terms
Balance Transfer
Balance Transfer with Capital One® Spark® Miles for Business:
Introductory APR: n/a
Ongoing APR: 13.9% - 20.9% (V)
Default APR: See terms
Balance Transfer Fee: n/a
  • Introductory APR on Balance Transfer.An initial low rate, often a zero-percent rate, will be offered for balance transfers on many credit ...
    Introductory APR on Balance Transfer. An initial low rate, often a zero-percent rate, will be offered for balance transfers on many credit cards. If payments are made on time then the introductory rate will last for the full advertised amount of time, which may be anywhere from three to 21 months. After the introductory period, the regular APR will go into effect. More terms
  • Ongoing APR on Balance Transfer.An ongoing annual percentage rate (APR) on balance transfers will apply to any balance transferred from ...
    Ongoing APR on Balance Transfer. An ongoing annual percentage rate (APR) on balance transfers will apply to any balance transferred from one card to another. If your credit card offered an introductory rate, then once it has expired the ongoing, or regular APR will apply. Credit cards may have a different APR for balance transfer than for purchases; often each card carries a separate APR for cash advances, purchases and balance transfers. APRs for cash advances are always the highest, and balance transfers may carry a lower APR. The terms and conditions on your credit card statement will always list the ongoing APR for balance transfers. More terms
  • Default APR on Balance Transfer.If you use the balance transfer service and make a late payment on the balance transferred, have a ...
    Default APR on Balance Transfer. If you use the balance transfer service and make a late payment on the balance transferred, have a payment returned, or exceed your credit limit during the promotional 0% interest introductory period, the introductory period will expire and a penalty, or default, annual percentage rate will apply on your credit card balance. Penalty APRs are usually more than 20 percent and will be applied to the entire transferred balance that is in default. Most credit cards are considered to be in default if the payment is more than 60 days late. More terms
  • Balance Transfer Fee.A fee charged by a credit card company when you transfer your debt from one credit card onto another ...
    Balance Transfer Fee. A fee charged by a credit card company when you transfer your debt from one credit card onto another credit card. In many cases this fee is 3% of the balance amount with $5 minimum and $50 maximum. (The minimum is not charged on top of the 3%, instead it will be your total balance transfer fee if 3% of the balance transfer amount is less than $5. If 3% of the balance amount exceeds $50 your total balance transfer fee will be caped at $50.) In some cases it can be a fixed amount, for example: $75. However, it is also possible to find a credit card offer that does not charge this fee. More terms
Cash Advance
Cash Advance with Capital One® Spark® Miles for Business:
Introductory APR: See terms
Ongoing APR: 24.9% (V)
Default APR: See terms
Minimum Grace Period: 0 days
Minimum Interest Charge: See terms
Cash Advance Fee: 3% of the amount of the cash advance, but not less than $10.
  • Introductory APR on Cash Advance.The promotional rate that may be offered on cash advances from a credit card company. Cash advance rate ...
    Introductory APR on Cash Advance. The promotional rate that may be offered on cash advances from a credit card company. Cash advance rate APRs are generally high and most cards do not offer introductory low APRs for them. When a card offers a zero-percent or other low introductory interest rate it will usually apply to purchases and balance transfers but not cash advances. More terms
  • Ongoing APR on Cash Advance.The Annual Percentage Rate (APR) determines what you will pay in interest charges each month. The ...
    Ongoing APR on Cash Advance. The Annual Percentage Rate (APR) determines what you will pay in interest charges each month. The ongoing APR on cash advances is always much higher than on purchases and balance transfers, and may be as high as 35 percent. Often cash advances begin accruing interest immediately; there is no grace period. Because of this, it’s best to avoid using credit cards for cash advances except in case of emergency. More terms
  • Default APR on Cash Advance.When your credit card is in default, a default, or penalty APR will be applied. Usually there is one ...
    Default APR on Cash Advance. When your credit card is in default, a default, or penalty APR will be applied. Usually there is one default APR for purchases, balance transfers, and cash advances, but some cards may have a different default APR for cash advances which is higher than the one for purchases and balance transfers. More terms
  • Minimum Grace Period on Cash Advance.During a grace period, no interest or finance charge will be assessed. Grace periods begin when you make ...
    Minimum Grace Period on Cash Advance. During a grace period, no interest or finance charge will be assessed. Grace periods begin when you make a purchase or withdrawal and give you time to pay your balance without a fee. Most cash advances do not have a grace period and begin accruing interest immediately; for this reason it’s best not to use credit cards for cash advances except in emergencies. More terms
  • Cash Advance Fee .A fee charged by a credit card company when you use your credit card to get cash advances. In many cases ...
    Cash Advance Fee . A fee charged by a credit card company when you use your credit card to get cash advances. In many cases this fee is 3% of the cash advance amount with $5 minimum and no maximum. (The minimum is not charged on top of the 3%, instead it will be your total cash advance fee if 3% of the cash advance amount is less than $5.) If you will use your credit card to send money through companies such as Western Union all your charges will be considered as a cash advance and a cash advance fee will apply. There are no credit cards that do not charge a cash advance fee. More terms
Other Fees
Other Fees:
Activation Fee: See terms
Annual Fee: $0 intro for first year; $59 after that
Late Payment Fee: Up to $39
  • Activation Fee.The activation fee is a one-time charge that some cards carry. It is separate from an annual or monthly ...
    Activation Fee. The activation fee is a one-time charge that some cards carry. It is separate from an annual or monthly fee, which is charged every year or every month. Many credit cards do not charge an activation fee, so look for one without this charge. Prepaid cards and cards for people with limited credit are more likely to carry activation fees. More terms
  • Annual Fee.A fee charged by a credit card company each year for use of a credit card. Most banks have credit cards ...
    Annual Fee. A fee charged by a credit card company each year for use of a credit card. Most banks have credit cards without annual fee. Annual fee may range from zero dollars to several thousand dollars, depending on the credit card offer. Certain types of credit cards, for example credit cards that offer frequent flyer miles as a reward, almost always come with an annual fee. More terms
  • Late Payment Fee.If payments are not made on time, all credit card companies will charge a late payment fee. This fee is ...
    Late Payment Fee. If payments are not made on time, all credit card companies will charge a late payment fee. This fee is often around $35, though it varies from card to card. It may be a flat fee or it might also be a percentage of the total balance. Check the terms and conditions to find out what your credit card’s late fee is. Always make the minimum payment on time. If a payment is made for less than the minimum due, the account will be considered past due and a late charge will be assessed. More terms
Extra Benefits
Extra Benefits
Extended Warranty
on Purchases
Yes
Car Rental Insurance Yes
Travel Accident Insurance Yes
Airport Lounge Access No
  • Extended Warranty on Purchases.If your credit card offers an extended warranty on purchases then the service contract will be extended ...
    Extended Warranty on Purchases. If your credit card offers an extended warranty on purchases then the service contract will be extended for a certain amount of time. This may be offered by the retailer, the manufacturer, or your credit card. More terms
  • Car Rental Insurance Coverage.There are several types of car rental insurance, covering collision, damage, theft, or medical expenses. ...
    Car Rental Insurance Coverage. There are several types of car rental insurance, covering collision, damage, theft, or medical expenses. Most credit card car rental insurance covers loss or damage but not medical expenses and is secondary to any other insurance policy carried, as well as carrying other terms and conditions that limit liability. More terms
  • Travel Accident Insurance.A form of insurance coverage offered by some credit card companies when the whole or part of a travel ...
    Travel Accident Insurance. A form of insurance coverage offered by some credit card companies when the whole or part of a travel arrangement is paid for with the card. In the event of death resulting from an accident in the course of travel, or the loss of eyesight or a limb, the credit card company will pay the cardholder, or his or her estate, a pre-stipulated sum. More terms
  • Airport Lounge Access.For frequent travelers, the airport VIP lounge offers a respite from a busy travel schedule. Available ...
    Airport Lounge Access. For frequent travelers, the airport VIP lounge offers a respite from a busy travel schedule. Available at most major airports, there may be different lounges for everyone from families to business travelers. They often provide complimentary beverages and refreshments as well as WiFi access, magazines and newspapers to provide you with everything you need to enjoy a little downtime before boarding call. More terms
  • Share it:
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Note: if you click this icon, you will not get a real credit card. You will only receive the copy of this page with all details in it.
If you want to apply for the card, click "Apply online" button.
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