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Tips to get approved for the Capital One Spark Miles for Business

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Tips to get approved for the Capital One Spark Miles for Business

Meghan HunterTips to get approved for the Capital One Spark Miles for BusinessMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

For a hassle-free way to earn rewards on travel, consider the Capital One® Spark® Miles for Business. It has a welcome offer of 50,000 miles after meeting the card’s tiered minimum spending requirements. That’s one of the reasons it tops our lists of best business credit cards and best Capital One cards.

Depending on your business spending habits and travel goals, the Capital One Spark Miles card is a great match for business owners who want a straightforward rewards credit card. Many of our readers love its simplicity when it comes to paying for travel and the ability to use miles to offset the purchase. You can erase charges for cruises and other travel experiences.

Before signing up for the Capital One Spark Miles business card, we have a few tips to help you get approved.

Information for the Capital One Spark Miles card has been collected independently by Million Mile Secrets and has not been reviewed by the card issuer.

Capital One Spark Miles for Business cardholders can earn straightforward rewards and easily redeem miles to save money. (Photo by Netfalls Remy Musser/Shutterstock)

Capital One Spark Miles business card approval tips

With the Spark Miles business card, you’ll earn 50,000 Spark miles after spending $4,500 on purchases within the first three months of account opening. The card earns 2x Spark Miles on all purchases and has no foreign transaction fees. The card’s $95 annual fee is waived the first year. Plus, the card comes with a number of benefits and perks. You can check out our in-depth review of the Capital One Spark Miles for Business card here.

Before applying, here are a few tips to consider to increase your chances of approval.

Check your credit report and score

Capital One suggests you apply for the Capital One Spark Miles card only if you have excellent credit, which the bank defines in the following ways:

  • Never declared bankruptcy or defaulted on a loan
  • Have not been more than 60 days late on a loan in the past year
  • Have had a loan or credit card for 3+ years with a credit limit of $5,000+

A credit score of 720 or higher is typically considered very good to excellent.

Be sure you qualify as a small business

The Capital One Spark Miles is meant for small-business owners. It’s not as hard as you may think to qualify for a small-business card if you have a side hustle like selling on Etsy or driving for Uber and generate a small amount of revenue. Remember, you personally guarantee the credit line on a small business credit card. So the bank considers factors such as your total household income and personal credit score when evaluating your application for the Capital One Spark Miles card.

Consider recent Capital One credit card applications

Most banks have application rules to prevent folks from opening lots of new credit cards in a short timeframe.

This rule applies to personal and small-business cards. So if you recently opened a personal Capital One travel credit card, like the Capital One® Venture® Rewards Credit Card, you’ll have to wait six months before applying for the Capital One Spark Miles card.

The information for the Capital One Venture card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Other small-business cards to consider

The simple rewards structure and valuable sign-up bonus make the Capital One Spark Miles card worth considering. However, depending on your travel goals, you might consider cards from other banks before deciding.

For example, the Chase Ink Business Preferred Credit Card currently has the biggest offer of any of the Chase Ultimate Rewards points-earning cards. You can earn 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first three months from account opening. This bonus is worth $1,000 in cash back or $1,250 in travel when you book through the Chase travel portal.

The information for the Ink Business Preferred card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Remember, Chase has strict application rules, which makes it more difficult to get Chase credit cards if you apply for cards from other banks first. That’s why we typically recommend you get all of the Chase cards you want before applying for cards from other banks.

Unlike American Express, Capital One reports business cards to the credit bureaus. This means any new small-business cards with the bank will appear on your personal credit report. As a reminder, Capital One pulls all three major credit bureaus when they process your application, so applying for a rewards credit card from Capital One has a bigger temporary effect on your credit score. This isn’t a big concern if you only plan to apply for one card.

Bottom line

The Capital One Spark Miles card is popular with small-business owners because the simple rewards structure is a hassle-free way to earn points to save on travel.

Before applying, consider these tips to increase your approval chances:

  • Check your credit score – Capital One says only folks with “excellent” credit should apply
  • Be sure you qualify as a small business
  • Consider recent Capital One card applications

Don’t forget, Capital One pulls your credit score from all three major credit bureaus when they process your application, so applying for a card issued by the bank has a temporary effect on your credit score. If you’re opening only one new card in the near future, don’t worry about this minor impact.

If you’ve had approval success with the Capital One Spark Miles card, let us know in the comments.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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You say to wait 6 months after getting any Capital One card to apply for a Capital One business card ??? I always get a new business card every 2 months from non-Capital One banks.

Can i apply for 2 capital one cards on same day and be approved for both and it shows as one merged inquiry on my credit report?

Does Cap One approve 2 applications on same day and combine/merge credit inquiries if applied on same day?

Please POST MY MESSAGE AND REPLY TO IT, ASAP.

I applied for Capital One’s no annual fee Venture One card and was declined even though my credit score was above 800. And I applied based on an invitation letter they mailed to me! They gave several reasons for declining and I guess I’m supposed to figure out which one or more apply to me. They do a hard pull on all 3 credit agencies, so down goes my credit score.
NIX on Capital One. NOT recommended. NEVER again.

Million Mile Secrets

I understanding your frustration. You might consider calling the Capital One application services line or customer service to see if they will reconsider your application.

I called. No dice. No reconsideration. Don’t bother with this company.

I had exact same experience, application declined. Apparently, they have some kind of 5/24 rule that is unknown.

Reconsideration for Cap One means a new hard pull. With these rules, I wouldn’t bother with them either.

“Have NOT had a loan or credit card for 3+ years with a credit limit of $5,000+”

I don’t get this one. I should NOT have a credit card with a credit line above $5k and still to have an excellent credit score? I have several cards with credit lines above $100k. So I’m not eligible?!

Million Mile Secrets

This has been corrected. Thank you for pointing it out! Capital One says folks with excellent credit should have a loan or credit card open for 3+ years with a credit limit of $5,000+. So you should be eligible!