Capital One® Spark® Classic for Business
on Capital One's website
Capital One® Spark® Classic for Business
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
$0
Rewards rate
1%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 24.49% Variable APR
Penalty APR: 30.90%, Variable
Cash Advance APR: 24.49%, Variable
Balance transfer fee
N/A
Foreign transaction fee
None
Recommended credit score
NerdWallet review
Rating details
3.1
Editor's overall rating
Pros and cons
Pros
Qualify with average credit
No annual fee
No foreign transaction fee
Cons
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.
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