Capital One · card facts

Capital One Spark Miles

Simple 2X business earning; modeled first-year fee waiver.

WELCOME BONUS50k milesSpend $4,500

ANNUAL FEE$95First year: $0

CREDITSNone$0/yr advertised

LOUNGE ACCESSNo lounge access

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$2,257

Welcome bonus · TPG est.+$925

Full advertised annual credits+$0

Rewards on $36,000 benchmark spend+$1,332

First-year annual fee−$0

Keep / year · best case credits

+$1,237

Definitely keep

This recurring estimate uses the full advertised credit amount. The None label tells you how realistic it may be to capture all $0 of those credits.

Advertised credits$0

Credit difficultyNone

TPG Aug. 2026 value1.85¢

Annual fee$95

Fee minus advertised credits$95 cost

Credit details

$0 advertised per year · None to use fully

No recurring card credits are modeled for this card.

Lounge access

No lounge access

No lounge access included in the current dataset.

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Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.