Spark Miles

The Capital One Spark Miles card is a decent option for business owners, earning an overall rating of 3.2. It has a valuable and straightforward rewards program, offering 2x miles on all purchases and 5x on hotels and rental cars booked through Capital One Business Travel. The sign-up bonus adds initial value, and the absence of foreign transaction fees is a plus. However, the high APR of 24.49% is a significant drawback, especially for a card targeting businesses with excellent credit. The $95 annual fee after the first year is also a consideration. User reviews also indicate potential issues with credit limit management and customer service from Capital One. Therefore, while the rewards are good, the high APR, annual fee, and potential service issues temper the overall appeal. It's a solid card but not exceptional.