Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

on Capital One's website

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

on Capital One's website

Card details

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions

  • No annual fee

  • Build and strengthen credit for your business by using this credit card responsibly

  • $0 Fraud Liability if your card is lost or stolen

  • Free employee cards, which also earn unlimited 1% cash back on all purchases

  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

  • No foreign transaction fees

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 24.49% Variable APR

    Penalty APR: 30.90%, Variable

    Cash Advance APR: 24.49%, Variable

  • Balance transfer fee


  • Foreign transaction fee


Recommended credit score

NerdWallet review

By Claire Tsosie

Rating details


Editor's overall rating

Pros and cons

  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

  • High APR

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 24.49% 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.

For more information, see our full review of this card.

User Reviews

Rating Details

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