Spark Miles
Capital One
Spark Miles
Offer Strength
Standard$80 above typical value
Show breakdown
Estimated bonus value: ~$800
Base score: 43
Current $800 vs typical $720
Net value after annual fee: ~$705
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Spark Miles
Welcome Offer
Earn 50,000 miles after spending $4,500 in the first 3 months, plus a $0 intro annual fee for the first year.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
5x miles on hotels via Capital One Business Travel
2x miles on every purchase
Miles never expire while account is open
Key benefits
Unlimited 2x miles on every purchase
Unlimited 2x miles on every purchase
5x miles on hotels via Capital One Business Travel
5x miles on hotels via Capital One Business Travel
TSA PreCheck / Global Entry credit ($120)
TSA PreCheck / Global Entry credit ($120)
Transfer miles to 15+ partners
Transfer miles to 15+ partners
No foreign transaction fees
No foreign transaction fees
Perks
$50 experience credit on hotel bookings via Capital One Business Travel
$50 experience credit on hotel bookings via Capital One Business Travel
Free employee cards
Free employee cards
No foreign transaction fees
No foreign transaction fees
Good fit for
About this card
The Capital One Spark Miles is a business travel rewards card with a $95 annual fee. New cardholders can earn 50,000 miles after spending $4,500 in 90 days.
Best for
occasional travelers, small business owners
Key considerations
Low annual fee of $95 is easy to offset with benefits.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Card analysis
Offer analysis
The current offer on the Spark Miles awards 50,000 miles after spending $4,500 within 90 days of account opening.
Annual fee value
This card carries a $95 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $705 in net value after the annual fee.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
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Venture X
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Venture
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