Not all business owners want cash back—some prefer free flights, hotel stays, and premium travel perks.
If that’s you, the Capital One Spark Miles for Business is calling your name.
Instead of a flat cashback rate, this card earns 2x miles on every purchase, everywhere—meaning every single business expense is fueling your next trip. Yay!
And, this card comes with a pretty sweet welcome offer: Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. .
You’re looking at $0 intro annual fee for the first year, then after that ($95). It’s pretty easy to justify with travel perks alone.
Here’s everything we’ll dive into:
Pros and Cons
Why This Card Is the Best Business Travel Companion
How to Maximize Capital One Miles for Travel
Pros and Cons
Let’s get into it, shall we?
Pros:
2x miles on every purchase, with no caps
5X miles on hotels and rental cars booked through Capital One Travel
No preset spending limit
Miles transfer to 15+ travel partners
(Up to) a $120 credit for Global Entry/TSA PreCheck
No foreign transaction fees
Free employee cards, which you can set customized spending limits on
Cons:
Not the best option if you prefer cashback over travel rewards
Why This Card Is the Best Business Travel Companion
If your business involves frequent travel, this card is one of the best tools you can have in your wallet.
Here’s why:
Earn 2x miles on EVERYTHING—no categories, no caps, no tracking
Transfer miles to airline and hotel partners—so you’re not stuck booking through a travel portal
Book travel however you want—either by transferring miles or redeeming them for past travel purchases at 1 cent per mile.
And let’s not forget the Global Entry/TSA PreCheck credit because waiting in security lines is soooo last year. 😊
If you travel often for business, the Spark Miles Business Card makes every expense a step closer to your next flight.
How to Maximize Capital One Miles for Travel
Earning 2x miles on everything is great, but knowing how to redeem them is where the real value kicks in.
Here’s how to get the most out of your miles:
Transfer Miles to Airline Partners for Huge Value
Capital One has 15+ airline and hotel partners, including Air Canada Aeroplan, Emirates, and Singapore Airlines.
Instead of using miles at a flat 1 cent per mile, you can transfer them to airline programs and book business-class flights for a fraction of the cost.
For example:
✈️ 60,000 Capital One Miles → 60,000 Air Canada Aeroplan Miles → Business class flight to Europe
💰 Cash price of that flight? $3,000+.
That’s over 5x the value compared to using miles at a fixed rate.
Redeem Miles for Any Travel Purchase
If you don’t want to deal with transfer partners, you can still use miles to offset travel purchases from your statement.
Hotels? ✅
Flights? ✅
Rental cars? ✅
Even Airbnb? ✅
Every 10,000 miles = $100 off travel. We love to see it!
Use Free Employee Cards to Earn Even More Miles
If you have employees with business expenses, add them to your account for free and rack up miles even faster.
With unlimited 2x miles on everything they purchase, your rewards will grow without any extra effort.
To Wrap Things Up
If your business spends a lot and you travel often, the Spark Miles Business Card is a powerhouse.
The teeny tiny annual fee is easily justified with just one or two well-planned redemptions, especially if you use transfer partners to book premium flights.
If cashback is more your thing, you might want to check out the Capital One Spark Cash Plus instead. But if travel rewards and elite perks sound good to you?
This card is a no-brainer. Now, the only question left is: When is your next trip? ✈️
