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Card Economics
Annual Fee
$95
Ongoing Annual Value
$202
First-Year Value Estimate
N/A
Net Value
+$107
Card type: BusinessForeign transaction fee: NoneCurrency: Capital One Miles
Spark Miles for Business

Spark Miles for Business

Capital One
NOT OPEN TO APPLICATIONS
No new applications, and no product change into it either.
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Sign-up Bonus

N/A - Renamed to Capital One Venture Business in April 2026; no longer available for new applicants
Am I eligible?

Earning Structure

5XHotels booked through Capital One Travel7.2%
5XRental cars booked through Capital One Travel7.2%
5XVacation rentals booked through Capital One Travel7.2%
2XAll other purchases2.9%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Hotels booked through Capital One Travel?Is this the best card for Rental cars booked through Capital One Travel?Is this the best card for Vacation rentals booked through Capital One Travel?

Benefits

Worth it for me?
Credits & Perks (1)
  • Global Entry/TSA PreCheck: $120 (Every 4 Years)

    Covers application fee. Credit applies automatically when charged to card.

Protections (6)
  • Travel Accident Insurance — Coverage up to $250,000 for accidental death or dismemberment when traveling on a common carrier with fare charged to the card
  • Lost Luggage Reimbursement — Covers checked or carry-on luggage up to $3,000 if lost or stolen when common carrier ticket is charged to the card
  • Purchase Security — Covers eligible new purchases against damage or theft for 90 days from date of purchase, up to $10,000 per claim and $50,000 per cardholder
  • Extended Warranty — up to $10,000 — Extended warranty protection on eligible items for up to 1 additional year on warranties of 3 years or less
  • Auto Rental Collision Damage Waiver (primary for business rentals, secondary for personal rentals) — Coverage for collision damage and theft on eligible vehicle rentals, up to the cash value of the vehicle
  • Cell Phone Protection — Covers damage or theft of cell phone when monthly bill is paid with card. Does not cover loss, cosmetic damage, or accessories.

Other Perks

  • Free employee cards with customizable spending limits
  • Miles never expire for life of account
  • Transfer miles to 15+ airline and hotel partners
  • Lifestyle Collection hotel benefits ($50 experience credit, room upgrades when available)