Capital One Spark Miles for Business vs. J.Crew Credit

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

Capital One Spark Miles for Business Capital One Spark Miles for Business J.Crew Credit Card J.Crew 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
8.0MyCreditCardLab Score

MyCreditCardLab Score 8.0

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
7.9
Regular APR
7.4
Rewards
8.2
Benefits
8
Welcome Bonus
8.4
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 5.5
Balance Transfer Fee: 5.5
ANNUAL FEE
$95 $0
INTRO APR
No any intro offer of this card N/A
REGULAR APR
25.99% Variable APR 30.24% 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.
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
CONS
  • Membership fees in the second year
  • Sky-high penalty APR
  • High regular APR
  • Spending caps on rewards
  • High regular APR
WELCOME BONUS
50,000 miles after spending $4,500 within the first three months Get 15% off your first purchase the same day of account opening. Exclusions apply.
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.
 J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • For every dollar spent on the card, earn two points. For every $100 you spend, you will receive a $5 Rewards card.
  • Spend $500 a year to upgrade to Navy Access, which earns three points for every dollar. Alternatively, a $1,000 annual upgrade to Gold Access earns four points for every dollar spent.
  • Standard adjustments are free for in-store purchases.
  • If you spend less than $499 a year, receive a $10 birthday gift. Spend $500 or more a year to receive a $15 gift, and spend $1,000 or more to receive a $20 gift.
  • Shipping is always free on all orders.
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. Double points on cashmere - Members in the specified tiers may receive bonus points on certain days. The points are based on your tier at the time of purchase. You will get one or two extra points per dollar spent. You will also get bonus points on cashmere purchases. The number of points is based on your tier at the time of purchase. It is one or two extra points per dollar spent. Bonus point offers will also have terms. They will be in the promotional offer. Cardholders earn 3 points per $1 in Navy access and 4 points per $1 in Gold access. Free monogramming - Offer is available to J.Crew Passport members that are in the Navy and Gold Access tiers. The discount is valid on full-price monogrammable J.Crew branded apparel and accessories. You can buy them in J.Crew stores, at jcrew.com, or with phone orders. Offer cannot be redeemed for cash. Personalized items cannot be exchanged or returned. Valid in the U.S. only. Terms of the offer are subject to change. Our best birthday surprises - Accounts that opened during their birthday month will get the offer in the next month. Account must not be in default. Offer will be received during the birthday month. Exclusive Cardmember events - Cardmembers-only priority customer service, invitations to private sales and events.
CASH ADVANCE FEE / APR
32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater N/A
BALANCE TRANSFER FEE
25.99% variable based on the Prime Rate N/A
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 0%
BEST FOR
  • Travelers
  • Frequent Flyers
  • Hotel Stays
  • Airline Miles
  • Online Shopping
  • Rewards Points Enthusiasts
More Details More Details

Disclosure

MyCreditCardLab.com is an independent, credit card review and comparison service. MyCreditCardLab is not compensated by the third-party firms. Not impact the placement, order, and manner of appearance of the products on this website. The financial services, businesses, and products that are offered on this website are not all that are available.

See the offer terms and conditions on the issuer's website for full details. You can check the issuer the terms and restrictions of the offer before applying the information gathered here. We just display an overview of the legal conditions; thus, before applying, make sure you are aware of the entire terms as provided by the issuer.

MyCreditCardLab tries to provide accurate information as per our research and ranking methodology. But, none of the offer info comes with a warranty. So check all terms and conditions issuer's website before applying for any card.

Editorial Disclaimer: All card content is not from the issuer. It includes both editorial and our team research content. The issuer did not make, ask for, check, okay, or support it. Also, the issuer does not have to ensure that all card reviews, posts, comparisons and questions are addressed or answered.