Capital One Spark 1.5% Miles Select Benefits, Credits & Annual Fee

Capital One Business Travel is a business travel management platform with complimentary access. Use it to organize and manage business travel bookings in one place. Travel bookings and related expenses are separate from the cost of accessing the platform.

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.

Complimentary Hertz Five Star status. Skip the counter at select locations and enjoy a wider selection of rental cars and more. Enrollment/terms apply.

Rental collision insurance covers damage to or theft of an eligible rental car. Use your card when renting an eligible car to access the coverage. Check your card’s benefit terms for coverage conditions and exclusions.

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.

Earn unlimited 1.5X miles on every purchase for your business.

Earn unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.

Earn 5 miles per dollar on tickets bought through Capital One Entertainment. Buy with your card on the Capital One Entertainment ticketing platform. Tickets purchased from other sellers earn the regular 1.5X rate instead.

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.

You can redeem miles for cash, gift cards or purchases through your Amazon account. Sign in to your Capital One Business account and go to Rewards to see and select an available option. Redemption values may vary by option.

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

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.

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.

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.

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.

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.