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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 users recommend
6 users are unsure
1 users don'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

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

    Reviews

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    Capital One Business Credit Cards

    Product

    Reviews

    Purchases APR

    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 Purchases APR
    (Variable APR)
    18.49% Starting Variable APR
    Starting Balance Transfer APR
    (Variable APR)
    18.49% Starting Variable APR
    Annual Fee $95 Annual Fee
    Credit Score Range 700 - 850 600 850
    Spark Cash Select From Capital One

    Spark Cash Select From Capital One

     
     
    1
    1 total votes
    Purchases APR
    (Variable APR)
    14.49% - 22.49% 12% 30% Variable APR
    Balance Transfer APR
    (Variable APR)
    14.49% - 22.49% 12% 25% Variable APR
    Annual Fee $0 Annual Fee
    Credit Score Range 700 - 850 600 850
    Spark Miles From Capital One

    Spark Miles From Capital One

    1
     
     
    1 total votes
    Starting Purchases APR
    (Variable APR)
    18.49% Starting Variable APR
    Starting Balance Transfer APR
    (Variable APR)
    18.49% Starting Variable APR
    Annual Fee $95 Annual Fee
    Credit Score Range 700 - 850 600 850
    Spark Miles Select From Capital One

    Spark Miles Select From Capital One

     
    1
     
    1 total votes
    Purchases APR
    (Variable APR)
    14.49% - 22.49% 12% 30% Variable APR
    Balance Transfer APR
    (Variable APR)
    14.49% - 22.49% 12% 25% Variable APR
    Annual Fee $0 Annual Fee
    Credit Score Range 700 - 850 600 850