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Capital One Spark Classic for Business

Capital One Spark Classic for Business

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Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. No annual fee. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Build and strengthen credit for your business by using this credit card responsibly. $0 Fraud Liability if your card is lost or stolen. Free employee cards, which also earn unlimited 1% cash back on all purchases. Rewards won't expire for the life of the account, and you can redeem your cash back for any amount. No foreign transaction fees.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

7/10

Bottom Line

MatchFactor is Nav’s estimation of how well this financing option matches your business and credit profile.

Pros

Earn rewards and while building business credit. Great option for those with fair or limited personal credit.

Cons

High interest rate and no intro offers.

Features & Benefits

Fraud Coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen

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Intro APR

N/A

Purchase APR

26.99% (Variable)

Annual Fee

$0

Welcome Offer

N/A

Rewards Rate

1% Cash Back on every purchase and 5% Cash Back on hotels and rental cars booked through Capital One Travel.

Foreign Transaction Fee

None

Reviews

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For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.