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Capital One® Spark® Classic for Business

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Business owners who need to establish themselves in the credit world could find the Spark Classic a good option. With no annual fee and an average credit requirement, it’s a simple starting option that’ll earn you 1% cash back on every purchase.

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BEST PICK Best Business Credit Cards Best Credit Cards for Fair or Average Credit
RUNNER UP Best No Annual Fee Credit Cards
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 24.49% Variable

Capital One® Spark® Classic for Business

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 1% cash back on all purchases
  • No limit to the amount of rewards you can earn

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 24.49% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 30.90% Variable
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.49% Variable
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Capital One® Spark® Classic for Business

Highlights

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • 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
ABOUT THE ISSUER

Capital One Business

Capital One Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

The Capital One Spark Classic for Business offers business owners the opportunity to build business credit, while earning 1% cash back on all purchases.

This card is designed for people with average credit.

There’s no limit to the amount of cash back you can earn, and no foreign transaction fees or annual fee.

Capital One also issues some other business cards designed for people with good credit, which are more rewarding and have better perks: