Capital One Spark Miles for Business: what it earns

Updated September 17, 2026 · from RightCard's verified card and merchant data

Capital One Spark Miles for Business earns a flat 2x points on everything. We value Capital One miles at 1.7¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $95.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2x points	2¢ cash · 3.4¢ travel
Supermarkets	2x points	2¢ cash · 3.4¢ travel
Gas stations	2x points	2¢ cash · 3.4¢ travel
Travel	2x points	2¢ cash · 3.4¢ travel
Online shopping	2x points	2¢ cash · 3.4¢ travel
Drugstores	2x points	2¢ cash · 3.4¢ travel
Transit & rideshare	2x points	2¢ cash · 3.4¢ travel
Streaming	2x points	2¢ cash · 3.4¢ travel
Everything else	2x points	2¢ cash · 3.4¢ travel

Travel value uses 1.7¢ per point for Capital One miles, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations, Travel, Online shopping, Drugstores, Transit & rideshare, Streaming. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

See it against the rest of your wallet →

How RightCard handles this: add the Capital One Spark Miles for Business in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Capital One Spark Miles for Business earn at supermarkets?

2x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Capital One Spark Miles for Business earn on everything else?

2x points on purchases outside its bonus categories.

Is the Capital One Spark Miles for Business's $95 fee worth it?

Only if the credits and rewards you would actually use add up to more than $95 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are Capital One Spark Miles for Business points worth?

About 1.7¢ each toward travel by our conservative estimate for Capital One miles, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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