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Home/Credit & Lending/CAPITAL ONE CREDIT CARD

Capital One Venture Business rebrands Spark Miles with added credits

RG

Reagan Garrett

Capital One credit card · Apr 14, 2026

Business owners pay a $95 annual fee for the Venture Business card, which earns unlimited 2x miles on all purchases and 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel. The card provides a $50 travel credit through Capital One Business Travel and up to $50 in statement credits for qualifying advertising or software merchants. It also includes a $120 credit for TSA PreCheck or Global Entry every four years.

Related BriefJust now
business credit cards

Capital One replaces Spark Miles with Venture Business card offering $150 in annual credits

New business cardholders can no longer apply for the Capital One Spark Miles for Business card. Its replacement, the Venture Business card, offers $150 in combined annual credits across business travel, software, advertising, and lifestyle stays—$5 more than its $95 annual fee if just two credits are used. The card earns 5 miles per dollar on travel booked through Capital One Business Travel and 2 miles on all other purchases. A welcome offer delivers up to 150,000 bonus miles—valued at $2,775 by TPG’s April 2026 rates—after $30,000 in spending within six months. The card is open to small businesses and gig workers, including sole proprietors. Existing Spark Miles cardholders retain their accounts but must apply separately for the Venture Business card; no product change is allowed.

These terms replace the Capital One Spark Miles card as part of a rebranding effort to align business products with the Venture personal card line. The card offers free employee cards with spending limits and no foreign transaction fees. It also includes primary car rental collision coverage for business rentals and extended warranty protection on eligible purchases.

Related Brief1d ago
cash back

Capital One Shopping offers up to 45% back on select TripAdvisor bookings

A cash-back return of 45% or a credit of 35X miles can offset price inflation for bookings made through TripAdvisor. These targeted offers are available for today, April 13, 2026, via Capital One Shopping and Capital One credit card accounts. The promotion is restricted to Hotel instant Booking and Experiences/Things to Do on Tripadvisor.com. It excludes restaurants, vacation rentals, flights, cars, theme parks, cruises, and specific tickets for attractions such as Walt Disney World and the San Diego Zoo. Purchases made using Tripadvisor Plus are ineligible. Bookings may track as ineligible until travel is completed.

For new cardholders, a limited-time welcome offer provides 75,000 miles after spending $7,500 in the first three months and an additional 75,000 miles after spending $30,000 in the first six months.

Related Brief2d ago
credit card lending

Capital One's Discover acquisition drags as subprime credit losses climb

Capital One's net interest margin fell 12% year-over-year in Q1 2026, driven by rising credit losses in its subprime card portfolio. Net charge-off rates climbed to 6.2%, up from 4.8% in the prior quarter, with the steepest increases among borrowers holding FICO scores below 660. The deterioration follows Capital One's May 2025 acquisition of Discover Financial Services, a deal that has introduced unforeseen integration and credit quality challenges. While the merger was designed to expand Capital One's payment network and customer base, the combined subprime exposure is now pressuring profitability. Higher charge-offs directly erode net interest income, the core revenue stream for card lenders. The margin contraction signals that the cost of credit risk is outpacing revenue growth from the expanded portfolio. Capital One reported the decline in Q1 2026, marking the sharpest drop in margin performance since 2020. Investors are now pricing in sustained pressure as the company navigates the credit fallout from the Discover integration.

Capital One credit card

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