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.
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.
Ease of Reward Redemption
Perks & Features