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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 1% cash back on every purchase.

The information related to Capital One Spark Cash Select - $500 Cash Bonus, Capital One Spark Miles for Business, and Capital One Spark Miles Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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


Spending Rewards
  • 1% cash back on all purchases

Balance Transfers

A balance transfer is a way to move debt from one 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


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 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 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:

Unlike most business cards, the Spark Classic will report all activity (positive and negative) to the consumer credit bureaus. It also reports positive activity to the business credit bureaus, like many other business cards.[/tip

The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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