Capital One Spark Miles for Business vs. Famous Footwear Credit

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Capital One Spark Miles for Business Capital One Spark Miles for Business Famous Footwear Credit Card Famous Footwear Credit Card
8.4MyCreditCardLab Score

MyCreditCardLab Score 8.4

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
7.8
Intro APR
7
Regular APR
8.6
Rewards
8.7
Benefits
8.8
Welcome Bonus
7.9
Recommended Credit Score: 8.6
Foreign Transaction Fee: 10
Cash Advance Fee: 8.9
Balance Transfer Fee: 7.8
7.9MyCreditCardLab Score

MyCreditCardLab Score 7.9

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
7
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 5
ANNUAL FEE
$95 $0
INTRO APR
No any intro offer of this card No intro offer available
REGULAR APR
25.99% Variable APR 35.24% Variable APR
PROS
  • No membership fees first year
  • Free employee cards
  • Earn 2x miles on all purchases with no limits
  • No blackout dates or seat restrictions
  • No minimum redemption amount
  • Generous 50,000 mile sign-up bonus.
  • Qualify with fair credit
  • No membership fees
  • $10 initial rewards bonus
CONS
  • Membership fees in the second year
  • Sky-high penalty APR
  • High regular APR
  • High regular APR
  • No Foreign Transaction fee
  • Spending caps on rewards
WELCOME BONUS
50,000 miles after spending $4,500 within the first three months Get $10 off your first card purchase when opening and using your Credit Card account.
REWARDS
Capital One Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel
  • Earn unlimited 2X miles per dollar on every purchase
  • Earn a one-time bonus of 50,000 miles. They are worth $500 in travel. You get them once you spend $4,500 on purchases in the first 3 months.
  • You can use rewards miles without blackouts or seat restrictions. They do not expire.
  • You get extra employee cards for free. They also earn unlimited 2% cash back on all purchases.
Famous Footwear Credit Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Earn 1 point per $1 spent. Members earn $5 Reward Cash for every 100 points — up to $250 a year.
  • Get $10 off your first card purchase. This happens when you open and use your Credit Card account.
  • Star Members who are eligible get $5 Reward Cash. It is valid for their birthday month.
  • Rewards members can get 2X points for every dollar spent on all purchases. This is during your birthday month.
BENEFITS
Travel Benefits - Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. Earning rewards - Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. No foreign transaction fee - Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. No additional fee for employee cards - Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. STAR benefits - The STAR benefits scheme is for Famous Footwear. It is their lower reward level. It offers you $5 in Reward Cash for every 100 points you spend at Famous Footwear. That said, this only counts up to a maximum of $75 in rewards points per transaction. Birthday month - Members can receive 2X points per dollar spent on all purchases. This is during your birthday month. Superstar membership - Members who spend $200 or more over 12 months will get Superstar membership. Superstar membership will receive 1.5 points instead of 1 point for every $1 in purchases SUPERSTAR benefits - Famous Footwear’s SUPERSTAR benefits scheme is a higher rewards tier. You can unlock it by spending $200 in a year. SUPERSTAR members get 1.5 points for every $1 in purchases. They also get free shipping and $10 in Reward Cash on your birthday. Free Shipping - No minimum on all orders online and from your store — just for members
CASH ADVANCE FEE / APR
32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater Cash advance Not Allowed
BALANCE TRANSFER FEE
25.99% variable based on the Prime Rate Balance Transfers Not Allowed
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 600 - 850 (Poor - Exceptional)
FOREIGN TRANSACTION FEE
$0 $0
BEST FOR
  • Travelers
  • Frequent Flyers
  • Hotel Stays
  • Airline Miles
  • Students
  • Health and Wellness
  • Sports and Fitness
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