Spark 2X Miles
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How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $95
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
What does the Spark 2X Miles earn in each category?
Dining is the strongest category at 1% effective value (2% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 2X Miles compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (2% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Spark 2X Miles compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 1% |
| Gas Gas stations and fuel | 2% back | 1% |
| Travel Flights, hotels, transit | 2% back | 1% |
| Other General everyday spend | 2% back | 1% |
Madeen values cash back 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 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
Spark 2X Miles fits spenders who put meaningful volume in dining and can earn 2% back. 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 2% back. 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 cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (2% back).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Business card — rewards and liability rules differ from consumer cards.
Does the Spark 2X Miles have an annual fee?
The Spark 2X Miles has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
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.
Trusted traveler credit
Receive up to $120 credit for Global Entry or TSA Pre✓® when you use your Spark Miles 2X card.
Lounge access
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.
What benefits come with the Spark 2X Miles?
Extended Warranty
$10,000/yrGet free additional warranty and protection on eligible items that you purchase with your card.
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Global Entry or TSA Pre®
$120/yrReceive up to $120 credit for Global Entry or TSA Pre® when you use your Spark Miles 2X card.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Capital One Lounge
$99/yrRelax 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 Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel 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 Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Related encyclopedia topics
Common questions about the Spark 2X Miles
What is Capital One Spark Miles 2X?
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.
Is 2X miles the same as 2% cash back?
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.
What is 2X miles on a credit card?
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.
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.
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.
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.
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 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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