Capital One® Spark® Classic for Business

Quick View

• Annual Fee $0
• Intro Purchase APR -
• Regular Purchase APR 24.24% Variable
• 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
• Signup Bonus None
• Chip Technology Chip-and-Signature
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• Foreign Transaction Fee 0%
• Intro Balance Transfer APR -
• Regular Balance Transfer APR 24.24% Variable
• Cash Advance APR 24.24% Variable
• Penalty APR 30.65% Variable
• Late Fee Up to $39
• Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

• Reports to Business Credit Bureaus

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

• Visa® SavingsEdge

  Save up to 15% at www.visasavingsedge.com.

Business

• 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

  And 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 Management

• 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.

Security

• Fraud Protection

  You will not be held responsible for unauthorized use of your card.

Shopping

• Purchase Protection

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

• Extended Warranty Protection

  Extends a manufacturer’s warranty at no charge.

Travel

• 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, as long as the car rental company’s own insurance is declined.