Capital One Spark Classic for Business

Dan's Rating: 3.5 / 5   Add Your Review 

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Card Features

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The Early Spend Bonus

  • This card does not have a sign-up bonus 🙁

Get These Perks

  •   Pay no annual fee on this card

Pros & Cons

  No annual fee
  No foreign transaction fees
  Free employee cards
  Travel benefits
  Shopping benefits

  Few perks

  High APR

What You'll PayMore fee details 

Annual Fee
No annual fee
Foreign Transaction Fees

Credit Score Range

350 - 629
630 - 689
690 - 719
720 - 850 Review

Written by Amy 3 weeks ago

This no-frills card earns your business unlimited 1% cash back on all spending, making it simple to use and a good starter card for small businesses.

Review of the Capital One Spark Classic for Business

The Capital One Spark Classic for Business is best for businesses looking to establish a line of credit.  Although the card only earns less cash back than other Spark business cards, it is easier to qualify for and has no annual fee.  If you pay your balance every month, this card is a good way to start building credit for your business.  Its not a great way to finance large purchases, however, because the ongoing APR is relatively high.

Pro Tip:

If your credit is excellent (or you have a guarantor with excellent credit), consider upgrading to the Capital One® Spark® Cash Select for Business, which also doesn’t have an annual fee but will earn 1.5% cash back on your purchases.

The Bottom Line
This all purpose cash back business card is best for new businesses looking to build credit while earning 1% cash back on all purchases.

Reviews by the staff are the result of independent research by our editorial team, while user reviews and questions are contributions from website users who are not affiliated with in any way. Banks, issuers, and credit card companies are not responsible for any user content posted on the site, nor do they endorse or guarantee any posted comments, questions, or reviews. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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