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What Capital One says about this card
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- 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
The Platinum Card® from American Express
- Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
- Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
- Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
- $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
- $550 annual fee.
- Terms Apply.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- 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, 60,000 points are worth $750 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
By Curtis Arnold Editor-in-chief Updated Feb 26, 2019
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.
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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 compared to other reward cards
