Credit Card Articles

Capital One Spark Classic vs Spark Miles For Business Card

15 March 2012 by CreditCardsCo™

It is important to compare the Spark Classic and Business cards because while they might appear to be the same, the offer a few very different benefits. This is very common for Capital One credit cards that are part of a series.

The credit cards developed by Capital One are often designed to present a multitude of similar options with a few variables to make their products more accessible to a wide range of potential customers. This is probably how they have become so popular and so successful over the years. Their Spark Business credit card series is a great example of this as these credit products offer a wide range of standard benefits shared by all cards and then several variations on interest rate and travel benefits that differ between them.

Standard Shared Spark Benefits

All of the Capital One Spark Business credit cards share the same basic set of benefits. These include benefits that are common to Capital One cards or Visa cards in general and are designed to provide competitive features to attract new customers and retain the loyalty of present card holders.

  • Year-end tracking report that lets you get a close look at how well you stay on budget so that you can monitor your spending as well as file your taxes more efficiently
  • Order up to 25 extra cards for employees, each with separate spending limits and itemized statements for easier tracking
  • 24/7 Fraud alerts and $0 Fraud Liability that inform you of erratic activity and ensure that you are not held liable for unauthorized charges made to your account
  • Card customization that lets you put your company's logo or other preferred image on your credit card(s)
  • A simple rewards miles program with no limitation, no expiration, and options to redeem them towards airline miles, cash rebates, merchandise, gift cards, and other benefits

Visa credit cards also share a common catalog of comprehensive consumer security and insurance benefits:

  • Optional Auto Rental Collision Damage/Loss Waiver coverage that you could elect over the insurance offered by your rental car copany
  • Travel Insurance and Emergency Assistance that could come in handy if you encounter an emergency on your travels including things like missing documents, replacing lost tickets, or finding medical referrals
  • Business Hotel Savings that give you exclusive discounts on your hotel stay
  • Visa Dining Discount that provides similar savings at participating restaurants
  • Visa SavingsEdge Discounts that provide savings with participating merchants
  • Warranty Extension and Purchase Security that ensures you can replace or refund items that are lost, stolen, or broken

Capital One Spark Classic Business Credit Card

Aside from the common benefits, the Capital One Spark Classic Business credit card offers a few more benefits that you might find helpful or attractive. As a classic card, these benefits are quite basic, but they are certainly worth noting for people that are interested in the special offerings that credit cards can provide.

  • A fair interest rate on standard card purchases
  • A similarly fair interest rate on balance transfers from other cards
  • No annual fee
  • Use your account as a means by which you can establish credit for your business, setting up automatic credit line increases as you earn the privilege
  • Earn 1% cash rebates on all purchases made with the card with no expiration or limitation

Capital One Spark Miles Business Credit Card

The Capital One Spark Miles Business Credit Card, on the other hand, offers even more features and benefits than the classic card. It builds upon the somewhat simplistic benefits of the former and offers you much more.

  • A more competitive interest rate on standard purchases
  • Again, a similarly competitive interest rate on balance transfers
  • No annual fee for the first year and a highly competitive annual fee every year after that
  • Double miles on the dollar on every purchase made with no restrictions
  • The opportunity to earn up to 15,000 bonus miles by satisfying certain introductory conditions within the first 90 days of opening your account


The Spark credit card series from Capital One share many of the same benefits across the board. Each card, though, presents a different set of auxiliary savings and travel benefits to potential business customers of varying financial and business needs.

Other Readings

Credit Card FAQ

The " Capital One Spark Classic vs Spark Miles For Business Card" article is property of CreditCardsCo™ and is copyrighted. The article may not be published, rewritten, broadcast or redistributed without prior written permission.

Home | RSS Feeds | Terms | Sitemap | Contacts Copyright © 2017 - CreditCardsCo™ - All rights reserved.