How to Apply to Capital One Spark Business Miles Credit Card

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With its great reward system such as 2 miles for each dollar spent on every purchase for your business, with no blackouts or seat restrictions, and no minimum amount to redeem, the Capital One Spark Business Miles Credit Card is a card worth having. If you are interested how to order this card online, we have prepared a step-by-step guide for you.

To be eligible for this card you must:

Be at least 18 years of age
Have a home residence in the U.S. as well as a phone number and an email address
Have a valid Social Security Number or a Taxpayer ID Number
Have a Business Tax ID Number(TIN) or Employer ID Number(EIN)

If you are looking on how to apply for the Capital One Spark Miles Credit Card for Business, here we’ll provide some useful indications:

Step 1: First, navigate to the card’s homepage and click the ‘Apply Now’ button to open an online application form.

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Step 2: Once redirected to the online application form, provide the required information starting with your business information and including your Business Legal Name, business address (street, city, state, Zip code) and business phone number.

Select the business’ legal structure (sole proprietorship, corporation, partnership, non-profit corporation, limited liability company or other) and the authorizing signature (select among: owner, partner, president, vice-president, corporate secretary or other).

Enter your Business Tax ID Number(TIN) or Employer ID Number(EIN) and provide your total annual revenue amount.

Finally, indicate the approximate monthly amount your business use through credit card purchases.

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Step 3: Introduce your personal information, including: your first name, middle initial (optional), last name, the authorizing signatory’s email address, home/permanent address, city, state, Zip code, primary phone number, social security number, date of birth, housing status, monthly mortgage or rent payment and total annual income.

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Step 4: In the additional information section, select the age and category of your business and provide the legal business name which will appear on your card.

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Step 5: Read carefully and review the terms and conditions associated with the card, and click on the ‘Continue to review’ button for forwarding your application to the bank.

You’ll be notified soon after regarding the result of your online application.

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Q: What are Employee Cards useful for?

Employee cards are cards that can be assigned to your employees in case you own a business and have Capital One Spark Business Miles Credit Card. In order to add employee cards you do not have to pay any additional fee, but you can benefit from that since you are the one who earns all the rewards from their purchases. Employee cards allow the primary cardholder to easily track their spending.

Q: I am the owner of Capital One Spark Business Miles Credit Card. Will I get a quarterly summary?

Yes, one of the options available to the Capital One Spark Business Miles Credit Card holders is to get quarterly and yearly-end summary which represents a custom report of your spending. This way you will be informed about your account and be able to continue your further planning and budgeting.

Q: Is it possible that my APR change?

If you pay your bills on time, without late payments, than your APR remains the same. On the other hand, if you have late payments which are fulfilled 3 or more days after your payment due date twice during 12 billing periods, your APR may increase to the Penalty APR. In order to get back to your prior APR, you will need to make at least the minimum payment on time for 12 consecutive billing periods. Sometimes, APRs might increase due to market conditions change, but no matter what the reason is, you will be notified about the APR change.