Capital One® Spark® Classic for Business

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:

Card Quick Facts

Card Quick Facts

  • 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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Want to pay a bill or check your balance?

Card Details



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

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 31.65% Variable
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 25.24% Variable
Balance Transfer Fee $0
Cash Advances

Cash Advances

Cash Advance APR 25.24% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Reports to Business Credit Bureaus

    Capital One business cards report your card activity to Dun & Bradstreet, Experian, Small Business Financial Exchange, and the consumer credit bureaus.

  • Visa® SavingsEdge

    Save up to 15% with Visa discounts.

  • Quarterly and Year-End Summary

    Get itemized spending reports to help simplify accounting and taxes.

  • Downloadable Purchase Records

    Easily download your records in a variety of formats, including QuickBooks™ and Excel®.

  • Free Employee Cards

    You’ll earn rewards when your employees spend with their cards.

  • Spark Business Customer Service Representatives

    Speak with specially trained reps whenever you’d like for help with any questions you have.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile App

    Manage your account from your phone.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Zero Fraud Liability

    You will not be held responsible for unauthorized use of your card (contact customer support immediately if you suspect fraud).

  • Purchase Protection

    Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty Protection

    Extends an eligible manufacturer’s warranty at no charge.

  • Travel and Emergency Assistance

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Lisa C.
Not a true business card

IF you are just starting out in business, or have no credit history, this is a good starter card. However, it fails as a true business card, with a very low credit limit and increases auto denied. After 2 years with our card in good standing, a credit line increase was denied due to "a history using too much of your available credit limit" Well, it's only a $500. limit, and one supply order for our business may be $450. + the card has always been paid off, never over limit, with no late payments; AND the main reason to increase to limit is to decrease the utilization (which, btw, is presented on your personal credit history, not your business credit)! I called to speak to a representative after the increase was denied, and low and behold that "department" (credit line increase ) does not accept phone calls from customers. We have a Chase business card with 20X this limit, lower interest rates; and actual people on the customer service line 24/7. Sorry Cap 1, this card doesn't make the cut as a business card.

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