Spark Miles for Business
Capital One$95 a yearVisa SignatureNo foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$293 |
| Global Entry/TSA PreCheckof $30 face value | +$21 |
| Annual fee | −$95 |
| First year | $219 |
| Each year after | +$379 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Hotels booked through Capital One Travel | 7.2% |
| 5X | Rental cars booked through Capital One Travel | 7.2% |
| 5X | Vacation rentals booked through Capital One Travel | 7.2% |
| 2X | Everything else | 2.9% |
Noteworthy perks
- Global Entry/TSA PreCheck$30 a year
Business card · Earns Capital One Miles
Benefits
Credits & Perks (1)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Protections (7)
- Travel Accident Insurance, up to $250,000, Accidental death or dismemberment cover for you, your spouse and unmarried dependent children on a licensed common carrier when the full fare is charged to the card: $250,000 under the Visa Signature Business guide, $1,000,000 under the Enhanced Visa Signature Business guide. Capital One does not say which applies to this card.
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for checked or carry-on luggage lost, stolen or misdirected by the common carrier when the common carrier ticket is charged to the card ($2,000 per bag for New York residents).
- Travel and Emergency Assistance, 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection, up to $10,000, Covers eligible new purchases against theft or damage for 90 days from purchase, up to $10,000 per claim and $50,000 per cardholder.
- Extended Warranty, up to $10,000, Doubles the original manufacturer's U.S. warranty by up to 1 additional year, for original warranties of 3 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Price Protection, up to $500, Reimburses the difference if an identical item is advertised for less within 60 days of purchase, up to $500 per item and $2,500 per year. Secondary to store lowest-price guarantees.
- Auto Rental Collision Damage Waiver (primary), Reimburses theft or collision damage up to the actual cash value of most rental vehicles, for rental periods up to 31 consecutive days. Primary coverage for commercial or business rentals; secondary (supplemental to personal auto insurance) for personal rentals. No benefit for vehicles rented in Israel, Jamaica, the Republic of Ireland or Northern Ireland.
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)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Spark Miles for BusinessOct 8, 2026
- changed from null to trueAug 31, 2026
- changed from Spark Miles; C1 Spark Miles; Spark Miles Business to (empty)Aug 30, 2026
- changed from null to closedAug 30, 2026
- changed from 50K miles bonus when you spend $4.5K in the first 3 months.$0 introductory annual fee for the first year, then $95 to N/A - Renamed to Capital One Venture Business in April 2026; no longer available for new applicantsAug 30, 2026
- changed from 4500 to nullAug 30, 2026
- changed from 90 to nullAug 30, 2026
- changed from null to 4500Aug 13, 2026
- changed from null to 90Aug 13, 2026