
Who Is the Spark Miles Select for Business Card Good For?
If you’re looking for a
Capital One also offers a standard Spark Miles business card. It comes with a better sign-up bonus and earning scheme, but it’ll also costs $59 a year. Which Spark card is better for you depends on your spending habits and your willingness to pay an annual fee.
Like Capital One’s Venture Rewards cards, the miles you earn with either of the Spark cards cannot be transferred to frequent flyer programs. This is definitely a drawback for experienced travel hackers who want to maximize the value of their miles, but it’s hard to argue with the flexibility and ease of using what is essentially a cashback card.
Sign-Up Bonus:
The Spark Miles Select card comes with a 20,000-mile sign-up bonus. You’ll have to spend $3,000 within the first three months to get the bonus.
Miles Earned:
- 1.5 miles per dollar spent on all purchases
What Do Your Miles Get You?
With Capital One’s Purchase Eraser you simply buy the travel you want from any
You can also use your miles for any expenses categorized as travel, including airfare, car rentals, train tickets, taxis, buses, cruises and travel agents.
If you book directly through Capital One’s online travel center, you can pay with miles and your purchases won’t even appear on your monthly statement.
Usage Perks:
- No annual fee
- Sign-up bonus with a no-fee card
- Bonus miles earned on every purchase
- No foreign transaction fees
- Miles don’t expire with an open account
Usage Quirks:
- No airline transfer partners
- Miles accrued during billing cycle lost if payment is late
How Far Do Your Miles Go?
Since the Spark Miles Select card works like a cashback card for travel purchases, the value of your miles is fixed at one cent per mile. The 20,000-mile sign-up bonus is worth $200 in travel. How far that goes is determined by the current market rate of the travel you’re purchasing. There are no award sweet spots or spectacular deals, but you’ll always get reasonable redemption rates. Look for airfare sales to make the most of your points.
You can see the variety of destinations you can get to with your Spark Miles by registering your card with RewardWallet and plugging in different destinations in the free service to see how far your miles will get you. You might even find another card that will help you figure out your next destination!

If you don’t want to redeem for travel, you can get cash back or a statement credit toward any purchase. This is not recommended, though, as those redemption rates vary and may be valued at less than a cent per mile. Capital One offers a
Additional Cardholder Benefits:
- Zero liability fraud coverage
- Quarterly and year-end summaries
- Auto rental collision damage waiver
- Extended purchase protection
- Travel and emergency assistance
- Free employee cards