Spark 2X Miles
The Spark 2X Miles from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Spark 2X Miles earn in each category?
Dining is the strongest category at 1% effective value (2x miles at about 0.5 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1% effective value (2x miles at about 0.5 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x miles | 1% |
| Gas Gas stations and fuel | 2x miles | 1% |
| Travel Flights, hotels, transit | 2x miles | 1% |
| Other General everyday spend | 2x miles | 1% |
Madeen values Capital One Miles at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Spark 2X Miles?
The Spark 2X Miles fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Spark 2X Miles fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use Capital One Miles the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Capital One Miles value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Spark 2X Miles have an annual fee, and what's the welcome bonus?
The Spark 2X Miles has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
What travel perks does the Spark 2X Miles include?
The Spark 2X Miles includes Trusted traveler credit, Lounge access, Capital One Lounge, Car Rental Insurance and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditReceive up to $120 credit for Global Entry or TSA Pre✓® when you use your Spark Miles 2X card.
- Lounge accessCapital One Lounge - relax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options. Explore the Capital One Lounge and get 2 free visits per year.
What benefits come with the Spark 2X Miles?
- Capital One Lounge
Relax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options. Explore the Capital One Lounge and get 2 free visits per year.
- Car Rental InsuranceIncluded with World Elite Mastercard®
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
- Extended Warranty
Get free additional warranty and protection on eligible items that you purchase with your card.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- Global Entry or TSA Pre®
Receive up to $120 credit for Global Entry or TSA Pre® when you use your Spark Miles 2X card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with World Elite Mastercard®
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
- Intuit® QuickBooks® Online and QuickBooks Online PayrollIncluded with World Elite Mastercard®
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Common questions about the Spark 2X Miles
Does the Spark 2X Miles have an annual fee?
The Spark 2X Miles carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Spark 2X Miles?
Dining is the strongest Madeen category for the Spark 2X Miles at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Spark 2X Miles charge foreign transaction fees?
The Spark 2X Miles does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Spark 2X Miles welcome bonus?
The Spark 2X Miles welcome offer in our snapshot: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Spark 2X Miles annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Spark 2X Miles?
Madeen's catalog lists a typical credit range of Excellent for the Spark 2X Miles. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Spark 2X Miles compare to similar cards?
Compare the Spark 2X Miles against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Spark 2X Miles This card | Dining | 1% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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