Capital One® Spark® Classic for Business


For People with
Fair Credit

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

Card Quick Facts

Card Quick Facts

  • Enjoy no annual fee
  • Build business credit with responsible use with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
  • Separate business expenses from personal expenses
  • $0 Fraud Liability if your card is ever lost or stolen
  • Get additional employee cards for no cost
  • Enjoy business benefits like Year-End Summaries and experienced small business customer service

For People with
Fair Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • Earn 1% cash back rewards for every $1 spent on all purchases
  • There is no limit to the amount of rewards you can earn
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 31.15% Variable
Late Fee Up to $39
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.74% Variable
Balance Transfer Fee $0
Cash Advances

Cash Advances

Cash Advance APR 24.74% 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.

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