Card overview
This is a 2% cashback card, plus, you get $200 every year that your business spends $200,000 or more on this card. Your cashback earned on the card can be converted to miles, at one mile per penny, if you have a Capital One miles card as well.
Credit
You will need excellent credit for this card.
Reconsideration
If you apply for the card and get declined, you can call the reconsideration department to be reconsidered at 1-800-625-7866, although Capital One is known to usually reconsider an application for application errors only.
Annual fee
$150
Card rewards
Earn 5% cashback on hotels and car rentals booked through Capital One Travel
Earn 2% cashback on all other purchases
Card benefits
Auto Rental Collision Insurance
Get primary coverage on car rentals for business purposes, worldwide except for in Israel, Jamaica, the Republic of Ireland, and Northern Ireland, for a max of $50,000 per rental for vehicles with MSRP.
You will get coverage for cars rented for up to 31 days. You will get reimbursed for rentals that suffer collision damage and theft.
You must pay for the rental with your Spark Cash card in order to be eligible for coverage.
Extended Warranty Protection
Get up to a year of extended warranty on purchases you make. The original manufacturer’s warranty time on the purchase will be doubled, up to a year, and max $10,000 per claim and $50,000 per account.
You will only get coverage if the original warranty is for 3 years or less.
You must pay for at least part of the purchase with your Capital Spark card in order to be eligible for coverage.
Foreign Transaction Fee
There are no foreign transaction fees on this card.
Purchase Protection
Get reimbursed for replacements and repairs, or just reimbursed for new purchases that are stolen or damaged within 90 days from the date of purchase.
Get a max of $10,000 per claim and $50,000 per account.
You must pay for at least part of the purchase with your Capital Spark card in order to be eligible for coverage.
Anniversary Bonus Points
Get $200 every year that your business spends $200,000 or more on this card.
Credits
There are no credits listed on this card.
How points can be used
Cashback: The miles you earn on the card can be used as cashback for 1 penny per mile.
Airline and hotel programs: The miles you earn on the card cannot be transferred directly to Capital One Travel partners. If you have the following cards then you can transfer to travel partners as follows:
- If you have the Venture card, Venture X, VentureOne, Spark Miles, or the Spark Miles Select, – transfer your miles to one of these cards and then you can transfer your miles to airline and hotel partners as follows:
Airline partners:
Transfer Ratio Transfer time
Aeromexico, Club Premier 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
Air France KLM, Flying Blue 1:1 Instant
Avianca, Lifemiles 1:1 Instant
British Airways, Executive Club 1:1 Instant
Cathay Pacific, Asia Miles 1:1 5 business days
Emirates, Skywards 1:1 Instant
Etihad Guest 1:1 24 hours
EVA Infinity, MileageLands 2:1.5 36 hours
Finnair Plus 1:1 Instant
Qantas, Frequent Flyer 1:1 24 hours
Singapore Airlines, KrisFlyer 1:1 36 hours
TAP Portugal, Miles&Go 1:1 Instant
Turkish Airlines, Miles&Smiles 1:1 Instant
Hotel partners:
Transfer Ratio Transfer time
ALL Accor 2:1 1 business day
Choice Privileges 1:1 Transfers will not be available until later on this year
Wyndham Rewards 1:1 Instant