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Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business


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Your Rating:

3.0/5.0 from 21 Offer Ratings
Over the Past 60 Days!

(21) Over the Past 60 Days!

  • Regular Purchase APR 23.49% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $0
  • Credit Needed


  • Card Brand Visa

Card Details


  • Click "APPLY NOW" to apply online
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

Card Fees

Late Payment Fees Up to $39

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR 29.9% (Variable)

Minimum Interest Charge See Terms*

Ongoing Information

Rewards Cap No Cap

Rewards Rate 1% cash back on every purchase, every day

Annual Fee $0

Grace Period 25 days

Expert Reviews

From the Editorial Team

This card comes with an amped-up rewards program tied to an excellent card from a company that earns good reviews for customer service and card benefits. Users receive 1% cash back on every single purchase, every day and pay no annual fee. The Capital One Spark Classic for Business Card now comes with EMV chip technology and cardholders will pay no foreign transaction fees.

Employee credit cards can be added at no additional cost with year-end summary purchasing reports. Other nice perks to this card are $0 fraud liability protection, free auto rental collision damage protection with waiver, travel and emergency assistance, and access to online banking. 

Expert Reviews of the Capital One® Spark® Classic for Business

  • 2.5

    Regular APR

  • 2.5

    Intro APR

  • 3.0


  • 3.0


  • star rating 3.5/5

    Overall Rating

The Bottom Line

This card is great for small business owners looking to start building their business credit while also earning 1% cash back on every purchase.

The Good

There are a lot of features users enjoy with the Capital One Spark Classic for Business card, like no annual fee and the ability to customize your card by placing your business's logo on the card.

The Not so Good

The APR is set at 23.49% (Variable), so make sure you pay your balances off each month to avoid paying the interest rate.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

  • star rating mask

Offer Rating


21 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

Your Rating

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