Capital One Spark Miles
$95 annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Does the fee earn out?
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $∞ of spending at the base rate (valuing Capital One miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Capital One miles →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-04 against issuer terms · sources: www.capitalone.com · www.nerdwallet.com · www.cnbc.com. This card is closed to new applicants. Spot an error? Tell us.