Capital One® Spark® Classic for Business

Apply Nowon Capital One's secure website
Apply Nowon Capital One's secure website

Capital One® Spark® Classic for Business

Apply Nowon Capital One's secure website
Apply Nowon Capital One's secure website

Card details

  • 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

APR, Variable

APR: 23.99% Variable APR

Penalty APR: 30.40%, Variable

Cash Advance APR: 23.99%, Variable

Pros

  • Qualify with average credit
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR

Rewards rate

1.00%

Annual fee

$0

Intro APR

N/A

Recommended credit score

NerdWallet Review

Author: Claire Tsosie

It can be nearly impossible to finance a business with less-than-excellent credit, but the no-nonsense Capital One® Spark® Classic for Business makes it a little easier to get some working capital. With an annual fee of $0 and an unlimited 1% cash back on all purchases, you'll get a good long-term value with this deal when you pay off your balance in full each month. You'll save even more if you want to give your employees credit cards, since additional cards are free.

Carrying a balance on this card can be expensive, though. The ongoing APR is 23.99% Variable APR, which is relatively high. If you have excellent credit and plan on paying off debt over time, you may want to go with a 0% offer, or a deal that offers higher rewards and a sign-up bonus. But if you're still building your credit — and your business — this card may be the best deal available.

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

Write a review

Read Our Posting Guidelines
user avatar
Overall Rating:
Rate it
undefined reviews

Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.