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