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:
23.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
23.99%*
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 23.99%* 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*

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
BedrockLLC
New to Spark
by BedrockLLC
Helpful to 11 out of 11

The approval process was quick, card came in under 10 days and all is good for the moment. I am just starting to build this business credit, so I know a $2k limit is low but I will get this increased soon. Just glad to have a card that is just for my business, tired of using the Business debit. Didnt get approved for the Chase Ink, so Spark you have my business for now!!!

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
Credit Line Shut Down
by Anonymous
Helpful to 11 out of 13

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.  


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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 June 2017 through November 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.

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