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Compare the Features and Benefits of US Bank Altitude® GO and
Capital One Spark Miles for Business

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Earns Transferable Points
Primary Car Rental CDW Waiver
Grants Car Rental Status
Global Entry / TSA PreCheck Reimbursement
Extended Warranty
Purchase Protection
No Fees for Authorized Users
No Foreign Transaction Fees
Annual Fee
$0
Avg. Min. Credit Score
800-850
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
4x Dining Out / Food Delivery
2x Gas Stations
2x Streaming Services
2x Supermarkets
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer
Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Read more
Unique Card Benefits
no
Earns Transferable Points
no
Primary Car Rental CDW Waiver
no
Grants Car Rental Status
no
Global Entry / TSA PreCheck Reimbursement
no
Extended Warranty
no
Purchase Protection
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $95
Avg. Min. Credit Score
670-850
Ongoing APR
24.49% (Variable)
Balance transfers fees
Balance transfers are not available on Spark Miles
Best Multiplier
2x Car Rentals

Earn 5X miles on hotels and rental cars booked through Capital One Business Travel. Otherwise, your travel purchase will earn 2X Miles.

2x Hotels

Earn 5X miles on hotels and rental cars booked through Capital One Business Travel. Otherwise, your travel purchase will earn 2X Miles.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
🎁 Bonus offer

50,000 Miles once you spend $4,500 on purchases within 3 months from account opening

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

💳 This card earns Capital One Miles. Capital One often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from Capital One Miles here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The Spark Miles is a uniquely simple small business credit card.

With 2X Capital One Miles earned per dollar spent on all eligible purchases (plus the option to earn 5X miles on hotels, rental cars, and vacation rentals booked through Capital One Business Travel), you can really rack up the miles fast.

And while Capital One Miles used to simply be worth a penny each towards travel, that’s changed entirely since Capital One made their miles transferable.

Many small business owners don’t worry about bonus categories, but they do want as many rewards points for their business spend as possible. And they want, on top of that simplicity, to know they are getting a top end rate of return on spend.

The Spark Miles accomplishes both goals. 2X miles on everything with no limit is among the best options among all small business credit cards. While the Blue Business® Plus Credit Card from American Express also earns 2X points on purchases, it is capped at $50,000 in spend per year whereas the Capital One Spark Miles has no limit.

car-rental-coverage-capital-one-spark-miles

And then for redeeming your points, you can simply spend them for travel at a penny a point, or you can use the airline and hotel transfer partners.

As for card benefits, the card comes with Primary Car Rental CDW coverage, as long as you are renting for business purposes and also carries extended warranty and purchase protection benefits.

Overall, it’s a super simple card that is an excellent choice for small business owners that love to travel on their time off.

Need to Know: Capital One generally will make an credit inquiry with all three credit bureaus. Your card and revolving balance will also be reported to your personal credit file. That likely doesn’t bother you unless you’re maxing out the card, but if it does, you can browse other credit cards that do not report the credit line to your personal credit profile.

Read more
Unique Card Benefits
yes
Earns Transferable Points
yes
Primary Car Rental CDW Waiver
yes
Grants Car Rental Status
yes
Global Entry / TSA PreCheck Reimbursement
yes
Extended Warranty
yes
Purchase Protection
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes

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