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Spark Classic for Business From Capital One

in Business Credit Cards from Capital One

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Spark Classic for Business From Capital One

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in Business Credit Cards from Capital One

SuperMoney Net Recommendation Score +18%

SUPERMONEY NET RECOMMENDATION SCORE

+18%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly recommended

3 users recommend
7 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 24.49%
Balance Transfer APR  (Variable APR) 24.49%
Credit Score Range 600 - 750
Annual Fee $0
Number of Reviews 11

Spark Classic for Business From Capital One Review

Spark Classic for Business From Capital One FAQ

Who is Spark Classic for Business From Capital One designed for?

Spark Classic for Business From Capital One is a credit card issued by Capital One. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs for Spark Classic for Business From Capital One?

Spark Classic for Business From Capital One has a variable purchase APR of 24.49%. The card has a variable balance transfer APR of 24.49% .

It also has a variable cash advance APR of 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.

Does Spark Classic for Business From Capital One have an introductory APR offer?

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

Spark Classic for Business From Capital One does not offer an introductory rate on new purchases.

Spark Classic for Business From Capital One Rates & Terms
Purchase APR 24.49%
Balance Transfer APR 24.49%
Cash Advance APR 24.49%
Penalty APR 30.9%

What are the Spark Classic for Business From Capital One fees?

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

  • There is no annual fee.
  • A late payment penalty of up to $39.

Does Spark Classic for Business From Capital One have a foreign transaction fee?

Spark Classic for Business From Capital One does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Spark Classic for Business From Capital One Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Late Payment Fee up to $39

Is there a Spark Classic for Business From Capital One cash back or rewards program?

The rewards program allows you to earn cash with every purchase you make. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

What are the Spark Classic for Business From Capital One benefits?

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

  • Reports to major credit bureaus

Does Spark Classic for Business From Capital One report your account activity to credit bureaus?

Spark Classic for Business From Capital One reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Spark Classic for Business From Capital One

  • Visit the Capital One website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Every Purchase (Points) Earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem.
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 3%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) Starting at $10
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 750
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Assistance
  • Travel Accident Insurance
  • Free Credit Score
  • Emergency Support
Rewards Rates Every Purchase
Rewards Type Cash Back
Balance Computation average daily balance
Cash Advance APR (Variable APR) 24.49%
Penalty APR (Variable APR) 30.9%
Purchase APR (Variable APR) 24.49%
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 24.49%

Spark Classic for Business From Capital One Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+18%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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