Capital One Spark Miles
$95 annual fee · no published rate on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Does the fee earn out? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants, and the product is discontinued. It stays published because people still hold it, not because it can be applied for.
- Anyone wanting one card for everything. The issuer publishes no earn rate for spending outside the categories above, so we cannot tell you what an uncategorised dollar earns here. We print that as unknown rather than as a zero, but it does mean this card cannot be judged as an everything card.
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.