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Apply online for Capital One® Spark® Classic for Business
About Our Ratings
Credit Needed
Average, Fair, Limited

Capital One® Spark® Classic for Business Review

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.

Top Features

Rewards
1 % Cash Back on every purchase, every day.
Bonus Rewards
N/A
Purchase APR
24.24% (Variable)
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

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.

This page was last updated on January 23, 2018

This card compared to other reward cards

Rewards
1 % Cash Back on every purchase, every day.
2 Miles per dollar on every purchase, every day.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Bonus Rewards
N/A
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Purchase APR
24.24% (Variable)
14.24% - 24.24% (Variable) 
17.24% - 24.24% Variable 
Annual Fee
$0
$0 intro for first year; $95 after that
$0 Intro for the First Year. Then $95
CardRatings.com Editorial Staff

Capital One® Spark® Classic for Business details

Rewards
1 % Cash Back on every purchase, every day.
Bonus Rewards
N/A
Purchase Intro
APR:
N/A
Purchase APR
24.24% (Variable)
Annual Fee
$0

What Capital One says about this card

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

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Apply online for Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good