Last updated: 10/2/2022

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

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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

Rewards

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Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

Welcome Bonus = 50,000

Value = 1.3 cents per point
Effective Value = $650

$1700

Annual Fee = $95

$695

Welcome Bonus

50,000 Points

After you spend $4,500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2x All Spending

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.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

$0 first year
$95 thereafter

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

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

Additional perks of owning this card

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

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

The Fine Print

PURCHASES APR	23.99%
CASH ADVANCE APR	29.99% (Variable)
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%