Features

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.

  • Credit Score Range
    600 - 750
  • Minimum Age
    18
  • Customer Type
    Business
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • No Annual Fee
  • No Foreign Transaction Fee
  • Card Type
    • Cash Back
    • Rewards
  • Card Network
    Visa
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • Cashback
  • Balance Computation
    average daily balance
  • Penalty APR
    30.4%
  • Purchases APR (variable)
    Starting at 23.99%
  • Balance Transfer APR (variable)
    Starting at 23.99%
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