Spark Classic for Business From Capital One Review

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.

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.

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:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Fraud Liability
• Travel Assistance
• 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 score.

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.