Capital One
Spark Miles
Capital One
Capital One Spark Miles for Business
Annual Fee
$95
Bonus Value
$925
Min Spend
$5K/3mo
Current Welcome Offer
50,000
Capital One Miles — worth ~$925
Spend $4,500 in 3 months
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Historical Intelligence
Offer history & timing
Current
50,000
Average
50,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 50,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$267/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 50,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$267
65% benefit utilization, minimal travel redemptions
Realistic
+$267
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$267
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $125/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$25/yr
$100 Global Entry or $85 TSA PreCheck credit every 4 years (~$25/yr amortized).
🛡️insurance
Purchase Protection
$100/yr
Covers eligible purchases for 90 days against theft or damage.
Capital One Spark Miles for Business
Current offer: 50,000 Capital — worth ~$925
View Official OfferCapital One's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Spark Miles
50,000 Capital offer