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Spark Classic for Business From Capital One

in Business Credit Cards

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Spark Classic for Business From Capital One

Unaffiliated

in Business Credit Cards

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Mostly recommended

1 user recommends
6 users are unsure
1 user doesn't recommend
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Overview

Who is this credit card designed for?

Spark Classic for Business From Capital One is a credit card issued by Capital One, which is based in Richmond, VA.

Spark Classic for Business From Capital One is designed for small business owners with a credit score of 600 to 750. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

What are the relevant APRs?

Spark Classic for Business From Capital One has a variable purchase APR starting at 24.49%.

The card has a variable balance transfer APR starting at 23.99%.

It also has a variable cash advance APR starting at 24.49%.

Note that late payments are subject to an APR of 30.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

No, Spark Classic for Business From Capital One does not come with an introductory APR offer.

What are the fees?

The following fees apply to Spark Classic for Business From Capital One:

  • A late payment penalty of $39.
  • There are no foreign transaction fees

Is a rewards program offered?

Spark Classic for Business From Capital One offers a rewards program to its customers. The rewards program allows you to earn cash with every business purchase you make. This business card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

Spark Classic for Business From Capital One doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Spark Classic for Business From Capital One doesn't offer a cash loyalty bonus.

What additional benefits are offered?

Spark Classic for Business From Capital One provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Flight insurance
  • Fraud liability
  • Travel insurance
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Feature Breakdown

No Fees
Grace Period for Late Payment (Days)
25
Annual Fee
$0
Foreign Currency Transaction Fee
0%
No Annual Fee
 
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$39
Minimum Age
18
Credit Score Range
600 - 750
850 300 600 750
Customer Type
Business
Car Rental Insurance
 
Extended Warranty
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Flight Insurance
 
Every Purchase
1%
Rewards Categories
  • Every Purchase
Percentage
Purchase APR
(Variable APR)
Starting at
24.49%
Percentage
Cash Advance APR
(Variable APR)
Starting at
24.49%
Balance Computation
average daily balance
Penalty APR
30.9%
Percentage
Balance Transfer APR
(Variable APR)
Starting at
23.99%

Reviews

 
 

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Balance Transfer APR

Annual Fee

Credit Score Range

Spark Cash for Business From Capital One

Spark Cash for Business From Capital One

 
1
 
1 total votes
Starting Purchase APR 18.49% Starting Variable APR
Starting Balance Transfer APR 18.49% Starting Variable APR
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Credit Score Range 700 - 850     300 850
Spark Cash Select From Capital One

Spark Cash Select From Capital One

 
 
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1 total votes
Purchase APR 14.49% - 22.49%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 14.49% - 22.49%
(Variable APR)
    12% 25% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850
Spark Miles From Capital One

Spark Miles From Capital One

1
 
 
1 total votes
Starting Purchase APR 18.49% Starting Variable APR
Starting Balance Transfer APR 18.49% Starting Variable APR
Annual Fee $95 Annual Fee
Credit Score Range 700 - 850     300 850
Spark Miles Select From Capital One

Spark Miles Select From Capital One

 
1
 
1 total votes
Purchase APR 14.49% - 22.49%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 14.49% - 22.49%
(Variable APR)
    12% 25% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850