Capital One® Spark® Classic for Business

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  • 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:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
23.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
23.24%*
Variable

Details, Rates & Fees

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* 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 23.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 29.65%* Variable
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

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
kgreen954
Good Business
by kgreen954
Helpful to 65 out of 69

Capital One has always been good to me.  They were my first issuer.  From 2007 - 2009 I damaged my credit horribly (Repossesion, 120+ days delinquent on 4+ cards, 4+ collection accounts, 1 lawsuit FROM Capital One, etc).  After paying off all of my debt in early 2010, Capital One was the frist to give me my credit back.  In June, I was approved for a secured card (BoA denied me for a secured card... didn't know that was possible). 

2-1/2 years later, my secured card is at $3000 ($500 unsecured), I have a $750 Cash Rewards Card and a $750 Sony Card.  12+ Inquiries in the past 2 years and I applied for this card on Jan 27th.  Approved for $2000!  My credit scores have gone from 460 (2008) to a 716 (present day). 

A lot of factors go in to credit history and Capital One is by far the most forgiving, generous and understanding.  I recommend this card for anyone serious about ESTABLISHING business credit.

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
Anonymous
CK 656 Deined
by Anonymous
Helpful to 11 out of 12

Applied for a Capital One Personal and this Capital one Spark business,  was instantly approved for the Capital One Personal but denied for the Capital One Spark Business with a CK 656


Our Take

The Capital One® Spark® Classic for Business Card is a good way to save money while building credit for your business.

With the Capital One® Spark® Classic for Business, you get a free year-end summary that separates business expenses from personal expenses to help simplify your budgeting and planning. This card also offers 1% cash back on every purchase, $0 fraud liability if your card is ever lost or stolen, and no annual fee.

With helpful tools and experienced representatives trained to work with business owners, the Capital One® Spark® Classic for Business is a great choice for your business expenses.

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† 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 March 2016 through August 2016. 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.

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