Card Highlights
Capital One Spark Miles Select Business Card is a Credit Card
With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Card Rewards
Earn Spark Miles with the card. Learn about Capital One Spark Miles here.
Sign-up Bonus
20,000 Spark BONUS MILES offer after you spend $3,000 in the first 3 months. APPLY FOR THE CARD HERE
Before you apply, make sure you are not limited by any of the Capital One application rules.
Annual Fee
No Additional Cardholder Fees
There are no additional cardholder fees.
Earn Miles on Spending
Earn 5x miles per dollar for purchases for hotel and car rentals made through Capital One Travel using your Spark Miles.
Earn unlimited 1.5X miles on every purchase
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card on purchases made outside the United States.
Redeem Your Miles Three Ways
You have three ways to redeem your miles for travel
You can book your travel and pay using your card. You then need to go online at capitalone.com or call the Rewards Center to use the Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. Note, purchase Eraser redemptions must be made within 90 days from the date your travel purchase posts to your account. Your account credit is usually applied to your balance within 2 to 3 business days after the redemption. Redemptions for a portion of a purchase amount (partial redemptions) are available.
Go online to capitalone.com or contact the Cap One Rewards Center to book your travel. You can then use your miles to pay for your travel. The number of miles needed is based upon the cost of the travel purchase.
Here is how it works with either method:
Simply multiply the cost of your travel purchase by 100. For example, if your travel purchase costs $200, you would multiply that by 100 to determine you need 20,000 miles to redeem.
Note, no matter how you redeem, you can only redeem your miles against travel purchases. Capital One generally defines travel as purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares.
If you have a Capital One Venture X Rewards Card, Capital One Venture Rewards Card or VentureOne Rewards Card or a Capital One Spark Miles Business Card or Capital One Spark Miles Select Business Cardyou have another option as to how to redeem your Capital One Miles that you earn with your card, you can transfer them to an airline loyalty programs at a rate of 2 Cap One Miles to 1.5 airline miles. (2:1.5). And since the higher level cards (Venture Rewards, Spark Miles Business) earn 2 miles per dollar, these cards have essentially become a 1.5 miles per dollar card. Note, with Emirates and Singapore, the exchange rate is 2:1.
Air Canada Aeroplan-1000 Capital One Miles = 1000 Aeroplan Miles
Air France/KLM-1000 Capital One Miles = 750 Flying Blue Miles
Asia Miles-1000 Capital One Miles = 1000 Asia Miles
Avianca-1000 Capital One Miles = 1000 LifeMiles
British Airways Avios-1000 Capital One Miles = 1000 Avios
Emirates-1000 Capital One Miles = 1000 Skywards Miles
Etihad-1000 Capital One Miles = 1000 Etihad Guest Miles
EVA-EVA Air – 1000 Capital One Miles = 750 Infinity MileageLands Miles
Finnair-1000 Capital One Miles = 1000 Finnair Plus Award Points
Qantas-1000 Capital One Miles = 1000 Qantas Points
Singapore Airlines – 1000 Capital One Miles = 1000 KrisFlyer miles
TAP Air Portugal – 1000 Capital One Miles = 1000 TAP miles
Turkish Airlines Miles&Smiles-1000 Capital One Miles = 1000 Miles&Smiles
The hotel transfer partners are…
All-Accor Live Limitless-1000 Capital One Miles = 500 ALL Rewards Points
Wyndham Rewards-1000 Capital One Miles = 1,000 Wyndham Rewards Points