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:
Want to pay a bill or check your balance?
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.
How balance transfers work
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.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
Capital One business cards report your card activity to Dun & Bradstreet, Experian, Small Business Financial Exchange, and the consumer credit bureaus.
Save up to 15% with Visa discounts.
Get itemized spending reports to help simplify accounting and taxes.
Easily download your records in a variety of formats, including QuickBooks™ and Excel®.
You’ll earn rewards when your employees spend with their cards.
Speak with specially trained reps whenever you’d like for help with any questions you have.
Get alerts about account information on your phone.
Manage your account from your phone.
Educate yourself on credit with Capital One resources.
You will not be held responsible for unauthorized use of your card (contact customer support immediately if you suspect fraud).
Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.
Extends an eligible manufacturer’s warranty at no charge.
Provides help with travel emergencies, including emergency card replacement or cash advances.
Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.
Not the card for you? Try one of these:
Read more about this card.
Read about experiences others have had with this card and leave your own review here.
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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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