
Spark Classic for Business From Capital One
Would you recommend Spark Classic for Business From Capital One to your friends?
Community Rating | Mostly recommended |
Purchase APR (Variable APR) | 26.99% |
Balance Transfer APR (Variable APR) | 26.99% |
Credit Score Range | 600 - 750 |
Annual Fee | $0 |
Number of Reviews | 11 |
Spark Classic for Business From Capital One Review
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
The Good | The Bad |
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Who is Capital One Spark Classic business designed for?
This is a credit card issued by Capital One.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.
What are the relevant APRs?
This business credit card has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% .
It also has a variable cash advance APR of 26.99%. Note that late payments are subject to an APR of 29.4% 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 it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.Purchase APR | 26.99% |
Balance Transfer APR | 26.99% |
Cash Advance APR | 26.99% |
Penalty APR | 29.4% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
Does it charge a foreign transaction fee?
This business credit card 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.
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Balance Transfer Fee | 0% |
Late Payment Fee | up to $39 |
Does it offer a cash back rewards program?
The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is support@capitalone.com.
How do people rate the customer service and user experience?
Overall, this business credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Spark Classic for Business From Capital One report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply?
- 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.
Message From Capital One
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - Visit Site
- Email Support
Other Services by Capital One
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
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- Hawaii
- Iowa
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- Kentucky
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- West Virginia
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Feature Breakdown
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 |
Spark Classic for Business From Capital One Community Reviews
Would you recommend Spark Classic for Business From Capital One to your friends?
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