dcsimg
 

Capital One® Spark® Classic for Business Review

Capital One® Spark® Classic for Business may not have the lowest APR, but this small-business credit card offers strong value for entrepreneurs who, with responsible use, want to build corporate credit while also enjoying no annual fee, 1 percent cash back on every purchase and a long list of extra benefits.
By Curtis Arnold  Editor-in-chief  | Updated

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

Capital One® Spark® Classic for Business

Our Rating:   
Average, Fair, Limited

CardRatings Editor's Analysis: Pros & Cons

  • All of the flexibility of the Capital One® Venture® Rewards Credit Card without the annual fee
  • The sky’s the limit when it comes to how much cash back you can earn; 1 percent on every purchase.
  • Using this card in a responsible manner can help bolster your corporate credit.
  • If you have better than average credit you may want to consider a card with higher rewards potential.

Capital One® Spark® Classic for Business may not have the lowest APR, but this small-business credit card offers strong value for entrepreneurs who, with responsible use, want to build corporate credit while also enjoying no annual fee, 1 percent cash back on every purchase and a long list of extra benefits.

Small-business credit card for growing companies

Consider the Capital One® Spark® Classic for Business if you're in the early stages of building a corporate credit history. This card is intended for business owners with average/fair or limited credit. Spark Classic is the company's entry-level business card, but it offers some powerful features for an account with no annual fee.

This Visa business credit card includes purchase security and extended protection programs that rival those of American Express (American Express is a CardRatings.com advertiser). Eligible items your team buys with their Capital One® Spark® Classic for Business cards (add employee cards at no additional cost)gets protected against loss or theft within 90 days from the date of purchase. Eligible items with manufacturers' warranties get up to one extra year of covered repairs.

On the road, your team can access Capital One® Spark® Classic for Business cards for auto rental insurance when you use your card to rent an eligible vehicle and you're covered for collision, damage and loss. In partnership with Visa, Capital One offers Spark members access to travel and emergency assistance resources, giving small teams the kind of travel support usually enjoyed by Fortune 500 companies. Enjoy dining discounts and special perks at participating merchants when you enroll through Visa® SavingsEdge.

How Capital One® Spark® Classic for Business compares with other business credit cards

It's tough for young and growing businesses to qualify for a no-annual-fee credit card with such a straightforward reward of 1 percent cash back on every purchase. American Express and Chase offer similar cash-back credit cards for businesses, but you’ll need good or excellent credit to qualify.

Top Features

 Rewards
1 point per $1 in eligible net spend
 Annual Fee
None

Capital One® Spark® Classic for Business Compared to Other Reward Cards

Rewards
1 point per $1 in eligible net spend 
Rewards
2 Miles per dollar on every purchase, every day. 
Rewards
NEW! Earn 3 Points at Restaurants and Supermarkets. Earn 3 Points at Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases. 
Rewards
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases. 
Rewards
Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com. 
Bonus Rewards
 
Bonus Rewards
60,000 Miles once you spend $3,000 on purchases within 3 months from account opening  
Bonus Rewards
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.  
Bonus Rewards
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.  
Bonus Rewards
Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.  
Annual Fee
None 
Annual Fee
$95 
Annual Fee
$95 
Annual Fee
$550 
Annual Fee
$550 

Consumer Reviews

Add Your Review

WRITE A REVIEW

E-Mail will not be published

  
  1. No reviews available for this card.   Be the first to review!
 
X
  How is your credit?
Oops! Your credit does not qualify you for this card. Applying and being rejected for this card could possibly hurt your credit
We are redirecting you to offers you are qualified for based on your credit.
720-850
Excellent
660-719
Good
600-659
Fair
350-599
Poor