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Capital One® Spark® Classic for Business

Fair to Good Credit Recommended (580-740) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Capital One's Secure Site
Fair to Good Credit Recommended (580-740) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Capital One's Secure Site
Reward Rates
1% Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
24.74% (Variable)
Annual Fee
$0

Great for:

New small business owners who need to build their credit-worthiness before applying for a high-end rewards card. With no annual fee and 1% cash back on every purchase, this card is a simple way to start earning rewards while building your credit profile.

See our favorite business credit cards.

Highlights

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Features

  • Business
    Business
  • Cash Back
    Cash Back
  • EMV
    EMV
  • Fair Credit
    Fair Credit
  • Gas
    Gas
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Rewards
    Rewards

Staff Review

 

Editor's Rating:

2.5-star review

2.5 out of 5

Our take: The Spark Classic card doesn’t offer the lowest APR or juiciest rewards; but it does help cardholders with damaged credit build a better credit score, and earn a modest amount of cash back, so they can qualify for more generous cards over time.

Read full review

 

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Capital One® Spark® Classic for Business

Average Ratings: (collected by Capital One)
4.4 out of 5 stars
See the latest reviews on Capital One's site

For customer reviews and the most recent star ratings please click here