Capital One® Spark® Classic for Business

Apply now
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • 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:
25.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
25.24%*
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 25.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 31.65%* 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
pgtackle2003
Good Business starter card
by pgtackle2003
Helpful to 70 out of 72

I am an independent contractor and travel steadily for work. I really needed a business card to use so I didn't have to use personal money. My credit has been rebuilding over the last 18 months so I was unsure. I was approved for a limit of 2k. My scores at the time were Experian Fico 640, CK TU620, EQ640. It may also be worth mentioning I already have a personal CO card (QS with 500$ CL) and also a Capital One auto loan (which has good payment history). It took them a whole week to approve my Application, I got the dreaded "wait 7-10 response" on initial application. Somebody was supposed to call me to verify I actually applied. Once I talked to someone I was immediately approved

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
Bad
by Anonymous
Helpful to 88 out of 91

Very low starting CL. To low for it to be a business card. After 6 months. CL was only raised 100 dollars. Trash. Cant even fill up my truck with this junk CL. 

Just my 2cents. 


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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 September 2018 through February 2019. 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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