Features

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

Who Is Spark Classic From Capital One Designed For?

The Spark Classic From Capital One 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.

Are There Annual Fees?

There are no annual fees.

Does Spark Classic From Capital One Offer Rewards?

The only rewards program available for the Spark Classic From Capital One 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.

Are There Foreign Transaction Fees?

There are no foreign transaction fees.

Are There Late Payment or Other Penalty Fees?

Late payments are penalized up to 39 dollars.

Summary

If you have been conducting your business affairs without a business credit card, the Spark Classic From Capital One 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.

  • Card Type
    • Cash Back
    • Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    29.65%
  • Purchases APR
    23.24% - %
  • Balance Transfer APR
    23.24% - %
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0
js-table-filter ccard-type-222
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23.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 23.24%
Balance Transfer APR 23.24%
190
js-table-filter bizname-capital-one-spark-cash-business-card
59
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
058
js-table-filter bizname-capital-one-spark-cash-select-business-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-136
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
068
js-table-filter bizname-spark-miles-select-from-capital-one
js-table-filter air-miles-136
0
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
158
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0 votes

If you are self employed or own your own small business, it is wise to attempt to establish separate credit for your business as soon as possible.


2 votes

Many small business owners can't get business credit cards because of blemishes on their PERSONAL credit. Crazy, right? This card makes allowances for a few bumps. Plus it's one the few business cards with NO annual fee, definitely a big plus.


1 votes

Limit was a little lower than I'd hoped for when I started, but they raised my limit within three months, as they indicated in the fineprint when I applied. Now 9 months later, my limit is sufficient for my business needs. I'm a hairdresser and rent at a salon, so I just needed something for supplies and wanted it as a separate card from my personal. It's working out well.


0 votes

If you buy a lot of mechandise and whatnot for your business, it only make sense to get a card that gives you cash back. This one is perfect for those purposes. You get one percent back for all purchases. So if you're spending a lot, that one percent adds up. You also don't have to pay out anything you've earned on an annual fee, because there is none.

0 votes

If you are self employed or own your own small business, it is wise to attempt to establish separate credit for your business as soon as possible. One way to do this is with a business credit card such as the CapitalOne Spark Classic Credit Card. This card has a lot going for it: $0 annual fee, 1 percent cash back on purchases, 90-day purchase protection for purchases and fraud protection. But you should be aware that Capital One will pull your personal credit report along with checking out ... your business credentials when you apply for the card. But unlike many business cards that require potential card holders to have spotless credit, CapitalOne may approve you for its Spark Classic credit even if your credit is only OK. You should also be aware that the APR for the card is fairly high at 22.9 percent. But if you maintain a good payment record, you can qualify for better business cards with lower APR in the future. More Less


0 votes

I travel overseas a lot for business, so I needed a card that was not going to charge transaction fees, and I also wanted a card that was going to give me cash back for whatever I spent. I found both in this card. It has no transaction fee, no annual fee and you get one percent back on whatever you buy. Nice little package.

0 votes

I had 2 other active Capital One cards before I applied for the business card, I am a therapist starting my own business. I was instantly approved but for only 500, my other two limits are both 1500....supposedly they will raise the limit on the business card after the 3rd billing cycle pending no late or overlimit. Capital One is a conservative lender, many complain about low limits and no raises although they will work with people who have damaged pasts. I am only 2 years out of a bankruptcy ... and at one point had a 830 fico, along with a slew of high end cards. I wish I would have never bitten on the "Golden" Amex hook in the past, this business card is simple and meets my needs. More Less


0 votes

I have a business and was tired of putting my expenses through my perosnal credit card. I already have a personal credit card with Capital One, so I figured it made sense to also get their business card. The CL they gave me is half of my personal one, which kind of surprised me, but I'm happy with the card. It's a pretty straight forward card without any annual fee, so that's nice.


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