Capital One Spark Miles for Business

Capital One Spark Miles for Business
Issued by Capital One
Card Rating:4.50
Advertiser Disclosure
Annual Fee
$0 for 1st yr, $95 after
Regular APR
18.74% (V)

Additional Information

Balance Transfer Fee
0
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Late Payment Fee
$39
Returned Payment Fee
See Terms*
Cash Advance Rate
24.74% (V)
Cash Advance Fee
3% (min $10)
Foreign Transaction Fee
0
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

Plus, a one-time bonus of 50,000 miles once you sp

Rewards

No Rewards..

Application Requirements

Minimum credit score
Fair
Minimum Age
18 years old

Cons

["Has annual fee"]

How To Apply Capital One Spark Miles for Business

  • If you are keen to apply for the Capital One Spark Miles for Business, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.

  • To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.

  • The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.

  • When you have completed the form, the application needs to be reviewed, and you will receive your Capital One Spark Miles for Business soon if your audit passes.

 

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How To Use Capital One Spark Miles for Business


Where Can You Use

  • It can be used anywhere VISA is accepted.


Pay Your Bill On Time

  • You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

  • Rental Car Insurance

    Primary if the rental is for commercial or business purposes; secondary if for personal reasons

  • Travel Accident Insurance

    $250,000 for common carrier loss of life benefit; $125,000 for loss of a hand or foot, the sight of one eye, speech or hearing

  • Purchase Protection

    Up to $500 per claim and up to $2,500 per year

Credit Card Reviews

6 Reviews
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Poor Customer Service
by
Anonymous
1 year ago
"

Due to business issues, for the past several months I only pay for new charges, inteest and late fees.  Most of the time this exceeds the minimum payment.  My March payment was 8 cents short of the minimum and they put a restriction on the card.  Their service rep and supervisior thought it justified to restrict the card despite the high interest and late fees they charge over an 8 cent difference.  No wonder their local bank branches have been closing throughout the state.

"
Poor Customer Service
by
Anonymous
1 year ago
"

Due to business issues, for the past several months I only pay for new charges, inteest and late fees.  Most of the time this exceeds the minimum payment.  My March payment was 8 cents short of the minimum and they put a restriction on the card.  Their service rep and supervisior thought it justified to restrict the card despite the high interest and late fees they charge over an 8 cent difference.  No wonder their local bank branches have been closing throughout the state.

"
Bad Customer Service
by
Anonymous
1 year ago
"

I have been using this card for over a year now. I have paid off my card each month. A few weeks ago they put a restriction on my card because they want more personal information.  I gave them the information that they requested and was told there would be a 72 hour review period...that was over two weeks ago and it still isn't resolved.  Everyday I call in and they tell me that the "case owner" is the only person who can tell me why there is a hold and is the only one that can remove the restriction.  My issue with that is that I am not allowed to talk to this employee because she is an "executive" that doesn't talk to card holders.  My business has suffered because of their inability to resolve the problems that they have created.  The rewards are NOT worth the hassle.

"
Bad Customer Service
by
Anonymous
1 year ago
"

I have been using this card for over a year now. I have paid off my card each month. A few weeks ago they put a restriction on my card because they want more personal information.  I gave them the information that they requested and was told there would be a 72 hour review period...that was over two weeks ago and it still isn't resolved.  Everyday I call in and they tell me that the "case owner" is the only person who can tell me why there is a hold and is the only one that can remove the restriction.  My issue with that is that I am not allowed to talk to this employee because she is an "executive" that doesn't talk to card holders.  My business has suffered because of their inability to resolve the problems that they have created.  The rewards are NOT worth the hassle.

"
NOT a True "Business" Card (WILL AFFECT YOUR PERSONAL CREDIT)
by
Anonymous
1 year ago
"

Be aware! The fine print assigns personal liability for the balance of this card. Meaning you, as an individual, are responsible for the card, not the business you register it under. You are essentially getting a personal credit card with the "business" name slapped on it.Why this matters?: Your personal credit score will be affected by the initial credit check, any balance you carry, missed payments, etc. Any business debt you take on this card will be reflected on your personal credit report. If you own a LLC company or any other structure of company where you want to separate your business from your personal liabilities (as you should), this card will bypass that.Capital One is aware that this is not a true business card but they do not advertise it as such.DO NOT GET THIS CARD FOR BUSINESS!

"
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