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.

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  • 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
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 23.24% *Variable
  • Cash Advance APR 23.24% *Variable
  • Penalty APR 29.65% *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.


  • Visa® SavingsEdge

    Save up to 15% at


  • 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.


  • Fraud Protection

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


  • 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 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.

Visitor Reviews

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