Capital One® Spark® Classic for Business

Cardholders' Choice i
Cardholders' Choice i
Apply now
  • 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
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 23.99%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 30.40%* Variable
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee See Terms*


All Purchases

1% cash back per dollar

No cap on spending

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
APPROVED, CreditKarma said poor odds!
by SafetyTaxServicesMemphis
Helpful to 27 out of 27

I applied online and got a message saying my application is complete. I also have a Quick Silver One card that did the same thing. I have a alert on my file so they call me first, needless to say I was Approved. The personal Quick Silver limit is $300. Was apporved once provided ID and proff of address. So when the Spark card gave me the same message I knew I was approved. I believed at the starting limit of $500. I called in to get the status and while on the call the FRAUD dept called me. I verified the application and he said it was still "pending" but the decision should be really fast. I called back in about an hour to my surprise I WAS APPROVED FOR $5000. I've only been repairing my credit for 3 months! Had the Quick silver for less than 1 1/2 month. Paid it down several times during that period as $300 is easy to spend. Paid it off just before applying. TU 614, EQ 631 (Security Freeze) EX 644. I have the Equifax on Security freeze because it has 4 baddies about 4 years old, most creditors will approve with 2 bureaus. 
I also have Secured One United Unity Visa $1000, Bank of America 1-2-3 Rewards Secured $1000, FINGER HUT $400. 

I know a couple of tricks to get fingerhut to give you regular account in 1 month on freshstart program. Comment below for any information of details

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Credit Line Shut Down
by Anonymous
Helpful to 8 out of 9

15 year customer.  Never an issue... Until today, during my busiest time of year for my business.  My credit was cancelled due to suspicious activity.  I called and verified all purchases two times and still no access to credit line of $30000.00.  No notice, no explaination.  Lots of time on hold listening to music.  Meanwhile my vendors are getting declined payments tarnishing my reputation and I have begun looking for a new credit card to use for my small business.  No care that I will be cancelling my account.  

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from May 2017 through October 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.