Capital One® Spark® Classic for Business
on Capital One's website
Capital One® Spark® Classic for Business
Card details
Recommended credit score
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
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 25.24% Variable APR
Penalty APR: 31.65%, Variable
Cash Advance APR: 25.24%, Variable
Balance transfer fee
N/A
Foreign transaction fee
None
NerdWallet review
Rating details
3.1
Editor's overall rating
Recommended credit score
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 25.24% 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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