Advertiser & Editorial Disclosure

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.


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Effort to Apply
100% Complete
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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
24.24% (Variable)
Penalty APR
30.65% (Variable)
Purchase APR
24.24% (Variable)
Cash Advance APR
24.24% (Variable)
Late Payment Fee
Up to $39
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Annual Fee
Over Limit Fee
Foreign Transaction Fee
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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