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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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Overview

Many small business owners and entrepreneurs find it difficult to qualify for business credit. Spark Classic for Business from Capital One allows cardholders with some blemishes on their personal credit to begin to establish separate business credit. The Spark Classic for Business card also stands out as one of the few business credit cards with no annual fee.

Who Is Spark Classic for Business Designed For?

The Spark Classic for Business card is designed for small business owners and entrepreneurs. A Personal Identification Number (PIN) and other business verification are required to open an account. It is not designed for students or regular consumer use.

What Are the Rates for Spark Classic for Business from Capital One?

Purchases and balance transfers have a rate of 23.99% APR. The penalty rate is 30.40% APR.

What Are The Fees for Spark Classic for Business from Capital One?

There are no annual fees. There are no foreign transaction fees. Late payments are penalized up to 39 dollars.

What is the Spark Classic for Business Rewards Program Like?

The only rewards program available for the Spark Classic for Business card is a cash back rewards program. Cardholders earn 1 percent cash back on all purchases. There is no limit to the amount of cash back that can be earned, and cash back rewards never expire.

How is Spark Classic for Business Better Than Other Credit Cards?

If you have been conducting your business affairs without a business credit card, the Spark Classic for Business card can help you begin to establish a separate credit profile for your company. The cash back rewards program can even put money in your pocket. And with no annual fee and no foreign transaction fee, you can save even more.

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Feature Breakdown

Annual Fee
$0
Grace Period / Deferred Interest (Months)
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
Extended Warranty
Car Rental Insurance
Fraud Liability
Emergency Support
Flight Insurance
Travel Insurance
Rewards Categories
  • Every Purchase
Every Purchase
1%
Purchases APR
(Variable APR)
Starting at
23.99%
Balance Computation
average daily balance
Penalty APR
30.4%
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)
17.99% Starting Variable APR
Starting Balance Transfer APR
(Variable APR)
17.99% Starting Variable APR
Annual Fee $59 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)
13.99% - 21.99% 10% 25% Variable APR
Balance Transfer APR
(Variable APR)
13.99% - 21.99% 10% 22% Variable APR
Annual Fee $0 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)
13.99% - 21.99% 10% 25% Variable APR
Balance Transfer APR
(Variable APR)
13.99% - 21.99% 10% 22% 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)
17.99% Starting Variable APR
Starting Balance Transfer APR
(Variable APR)
17.99% Starting Variable APR
Annual Fee $59 Annual Fee
Credit Score Range 700 - 850 600 850