Capital One® Spark® Classic for Business Logo

Capital One® Spark® Classic for Business

Is This Your Business?
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The Capital One® Spark® Classic for Business card can help business owners with damaged or little credit begin to build or rebuild their credit and improve their score in order to qualify for more high-end cards. It doesn’t offer the most impressive rewards or the best APR, but it does allow cardholders to earn a small amount of cash back while working on their credit worthiness. Additionally, Capital One Spark Classic for Business cardholders can enjoy business benefits such as custom spending reports and access to customer service.

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The Good

  • Fair Credit Accepted
  • No Annual Fee
  • Unlimited Rewards
  • Free Employee Cards
  • Fraud Coverage and Alerts

Fair Credit Accepted

The Capital One Spark Classic for Business card accepts those with young and/or less-than-perfect credit, making it a solid option for small business owners who want or need to build their credit profile.

No Annual Fee

There is no annual fee attached to the Capital One Spark Classic for Business card.

Unlimited Rewards

With the Capital One Spark Classic for Business credit card, cardholders can earn unlimited 1 percent cash back on every purchase. Cash back rewards never expire and can be redeemed for any amount at any time with no minimum.

Free Employee Cards

Capital One Spark Classic for Business cardholders can add employee cards at no cost. All purchases made with employee cards are eligible for unlimited 1 percent cash back as well.

Fraud Coverage and Alerts

In the event that a cardholder’s Capital One Spark Classic for Business card is lost or stolen, they’ll be covered under a zero fraud liability policy. Additionally, cardholders will receive automatic fraud alerts via email, text, or phone call.

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The Bad

  • No Introductory APR
  • Late Payment Fees

No Introductory APR

The Capital One Spark Classic for Business card does not offer a lower introductory annual percentage rate for new accounts. Instead, cardholders will be subject to the card’s 25.24 percent variable APR from the get-go.

Late Payment Fees

With the Capital One Spark Classic for Business card, cardholders are subject to a fee of up to $39 for late payments.

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The Bottom Line

The Capital One Spark Classic for Business card is a good option for business owners looking to build or improve their credit. There are no annual fees and unlimited 1 percent cash back rewards, as well as free employee cards and fraud coverage. However, there is no introductory APR and the regular variable APR is not the lowest compared to other business credit cards.

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