Card overview
This is a good travel card, better than the other Spark card in terms of travel, and it’s one of the last few cards that still have price protection.
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
$95, waived the first year
Card rewards
Earn 5 miles on hotel and car rental bookings through Capital One Travel
Earn 2 miles on all other purchases
Card benefits
Auto Rental Collision Insurance
Get secondary coverage on car rentals, worldwide, on cars rentals rented for business purposes.
You will get coverage for cars rented for up to 31 days. You will get reimbursed for rentals that suffer collision damage and theft, for a max of $50,000 per rental for vehicles with MSRP.
You must pay for the rental with your Spark Miles Business card in order to be eligible for coverage.
Cell Phone Protection
Get reimbursed if your cell phone gets damaged or stolen. You will get reimbursed for cell phone repairs or replacement, for up to $800 per claim with a maximum of $1,000 or 2 claims per year.
This includes a $50 deductible per claim.
You must pay your monthly cell phone bill with your Spark Miles Business card in order to be eligible for coverage.
Extended Warranty Protection
Get up to a year of extended warranty on purchases you make. You will get one additional year to the original manufacturer’s warranty time, and max $10,000 per claim and $50,000 per cardholder.
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 Spark Miles Business card in order to be eligible for coverage.
Foreign Transaction Fee
There are no foreign transaction fees on this card.
Lost Luggage Reimbursement
Get reimbursed for carry-on and checked-in luggage that is lost or stolen during a trip.
Get a max of $3,000 per person, and a max of $2,000 per bag for residents of N.Y.
You must pay for at least part of the trip with your Spark Miles Business card in order to be eligible for coverage. The cardholder and the cardholder’s immediate family members will be covered.
Price Protection
If you come across an identical item for cheaper than a purchase you made within 60 days, be reimbursed the difference for a max of $500 per item, and max of $2,500 per year if the item you come across is from a U.S. retailer.
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 cardholder.
You must pay for at least part of the purchase with your Spark Miles Business card in order to be eligible for coverage.
Travel Accident Insurance
Get coverage for the loss of a limb, sight, speech, hearing, fingers, and loss of life if it occurs on a common carrier. Common carriers are motorized land, water, and air transportation vehicles that are operated by an organization to transport passengers for pay.
Get up to $250,000.
You must pay for the trip with your Spark Miles Business card in order to be eligible for coverage. The cardholder and the cardholder’s immediate family members will be covered.
Credits
There are no credits listed on this card.
How points can be used
Cashback: The points you earn on the card can be used as cashback for half a penny per point.
Capital One Travel: The points you earn on the card can be used on Capital One Travel for 1 penny per point.
Airline and hotel programs: The points you earn on the card can be transferred to any of the following Capital One travel partners:
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