How do you redeem rewards on a Capital One credit card?

You can redeem Capital One Spark Business rewards by logging in to either the Capital One website or the mobile app, navigating to the rewards summary, and choosing a redemption amount and redemption method.

The redemption options will depend on which Capital One Spark Business credit card you have: Capital One® Spark® Cash for Business… read full answer (2% cash back), Capital One® Spark® Miles for Business (2 miles per $1), Capital One Spark Cash Select - $500 Cash Bonus (1.5% cash back), and Capital One® Spark® Miles Select for Business (1.5 miles per $1).

Miles can be redeemed for flights, hotels, vacation packages, and more, with no minimum redemption required. Cash back rewards can be redeemed for statement credits, checks, gift cards, and more at any time, with no minimum redemption threshold.

Here’s how to redeem Capital One Spark Business rewards:

1. Log in to or create an online account on the Capital One website. Alternatively, use the Capital One mobile app.
2. Click “View Rewards,” on the left side of the account summary.
3. Click “See All Options” (to the right of your rewards summary).
4. Choose how you want to redeem your Capital One Spark Business rewards.

Capital One miles are worth 1 cent each when redeemed for travel, 0.8 cents each when redeemed for gift cards and 0.5 cents each when redeemed for cash back. That means 20,000 Capital One miles are worth $200 in travel or $100 in cash back.

Capital One Miles Value

• … read full answerTravel Purchases: 1 cent per mile.

  Redeeming your miles for travel is easy and you have two options: You can use your miles to erase past travel-related purchases, or to book upcoming trips. To redeem your miles for recent travel purchases, log on to your Capital One account and click on the “Rewards Miles” section of your account summary. Select “Cover Your Purchases,” and all of your travel expenses from the last 90 days will appear. Then select whichever ones you want to redeem miles for.

  To book travel using your miles, select the “Book a Trip” option, and it’ll take you to Capital One’s travel portal where you can book flights, hotels, and vacation packages directly, using your miles.

• Gift cards: 0.8 cent per mile.

  You can get gift cards from most major retailers. Denominations vary by store.

• Cash back: 0.5 cent per mile.

  You can redeem your Capital One miles in the form of a statement credit or a check.

So, keep in mind that using your miles for gift cards or as a statement credit to cover non-travel purchases diminishes the value of your mile; each mile being worth half a cent when redeemed for gift cards or non-travel credits. When it comes to Capital One credit cards with miles, you’ll get the most value when redeeming your miles for travel.

Ultimately, you can check out our editors' latest picks for the best travel credit cards on the market and see which one better suits your needs.

No, Capital One rewards never expire. But if your credit card account is closed, you will lose any rewards you have not redeemed. This applies to all types of rewards, whether miles, points or cash back.

Many rewards programs have points that expire due to inactivity but you're safe with … read full answerCapital One Rewards. Capital One offers rewards credit cards that cater to a variety of needs, so you can rest assured you’ll have enough time to redeem them as long as you keep your account open. If you’re ever concerned about points expiring, or somehow losing your rewards because you failed to make an on-time payment, call the number on the back of your card.