Last updated: 8/18/2021

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Capital One Spark Miles

Earns: Capital One Miles

GigaTake:

This card offers a high 2x return for all spending. Capital One miles are highly flexible, with both transfer partners as well as statement credits.

This card is best for:

  • All Spending

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Capital One Miles
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 2x on all spending is very good for a business card.
  • Capital One Miles aren’t worth as much as some other points, but still have some good value.

Cons

  • $95 annual fee after the first year.

See how the Capital One Spark Miles compares to other credit cards

Capital One Spark Miles Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
3%

Welcome Bonus = 50,000

Value = 1.3 cents per point
Effective Value = $650

$0
$1800

Annual Fee = $95

$0
$995
Welcome Bonus
50,000

Good

Bonus Rating

Good

In the top 50% of cards.

Points

After you spend $4,500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Capital One Miles
Gigapoints Value
1.3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0 first year
  • $95 thereafter
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Global Entry or TSA Pre Credit

Receive up to $100 credit for Global Entry or TSA Pre when you use your Spark Miles card.

5x on Hotels and Rental Cars

Earn 5X miles on hotel and rental car bookings through Capital One Travel.

The Fine Print

PURCHASES APR 20.99%
CASH ADVANCE APR 26.99%
CASH ADVANCE FEE Either $10 or 3% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $39.
FOREIGN TRANSACTION FEE 0%