Capital One Spark 1.5% Miles Select

Earn a one-time $750 cash bonus early in your cardmembership. Spend $6,000 on purchases within the first 3 months of account opening to qualify. The bonus is only available once and the spending window starts on your account opening date.

Earn 1.5 miles for every dollar spent on all purchases, with no category restrictions or earning caps. Miles don't expire as long as your account stays open. Note that bookings through Capital One Business Travel earn a higher rate instead of this base rate.

Earn 5 miles per dollar on hotels, vacation rentals, and rental cars when you book through the Capital One Business Travel portal. To get this elevated rate, you must complete the booking on the portal rather than booking directly with the hotel or rental company.

You can transfer the miles you earn to a variety of airline and hotel loyalty programs. Log in to your Capital One account, pick a transfer partner, and move miles directly to that program. Transfer ratios vary by partner, so check the current rate before you transfer.

Get help on the road when your vehicle breaks down, including jump-starts, tire changes, and towing. Call the roadside assistance number on the back of your card to request service. This is a card benefit — you may be responsible for any third-party service costs.

You're not responsible for unauthorized charges if your card is lost or stolen. Report the issue and get an emergency replacement card along with a cash advance to cover immediate needs. Zero liability applies as long as you report fraud promptly.

Get extra warranty coverage beyond the manufacturer's original warranty on eligible items you buy with your card. No additional enrollment is needed — just pay with the card. Coverage applies to eligible purchases only; check your card benefits guide for specific item exclusions.

There is no annual fee to carry this card — ever. You keep full access to all rewards and benefits without paying a yearly charge.

Your cash back rewards never expire as long as your account remains open. Redeem any amount at any time — there's no minimum threshold and no deadline to use what you've earned.

Add employee cards to your account at no extra cost. All purchases employees make earn cash back that flows to your account. You can monitor employee spending to stay on top of business expenses.

Choose a monthly payment due date that fits your business cash flow. Set it once and your billing cycle adjusts accordingly. This flexibility helps you time payments around payroll cycles or revenue patterns.

Pay no extra fees when you use your card for purchases made outside the United States. This applies to both in-person and online international transactions. Most cards charge 1–3% on foreign purchases; this card charges zero.

Get an itemized year-end summary of all card purchases on your account. Use it to simplify budgeting, categorize expenses, or prepare for tax season. Summaries are available annually and cover the full calendar year of spending.