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Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

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. Fraud Coverage – You’re covered by $0 Fraud Liability if your card is ever lost or stolen. Travel & Emergency Assistance – Available 24/7 to help connect you with local emergency and assistance resources when you’re away from home. Warranty Manager/Extended Protection – Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card. Auto Rental Insurance – Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss. Purchase Security – Eligible purchases are replaced, repaired or reimbursed for the first 90 days.


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Effort to Apply
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Card Perks
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Bottom Line

A great option for starting to build business credit, if you can pay on time and limit your balance.


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


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

Balance Transfer APR
23.99% (Variable)
Penalty APR
30.4% (Variable)
Cash Advance APR
23.99% (Variable)
Purchase APR
23.99% (Variable)
Over Limit Fee
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
Annual Fee
Late Payment Fee
Up to $39
Rewards Rate
1% Cash Back on every purchase, every day


Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses 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.

August 18 2017

A good card for your business while you're rebuilding your credit but I will try for a card with better cash back rate when my scores go up.

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