Capital One® Spark® Classic for Business

Robin Saks Frankel  in  Business How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Fair to Good (580 - 740)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Balance Transfer Intro APR:
Regular APR:
26.99% (Variable)
Terms and Restrictions Apply

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The information about the Capital One Spark Classic for Business card has been collected independently by The card details have not been reviewed or approved by the card issuer.

There aren’t a ton of business rewards card options for those with average credit. The Capital One Spark Classic for Business is one of them.

We give this card low marks because it doesn’t offer many of the bells and whistles most business owners have come to expect from a credit card. Spark Classic can’t measure up to cards that offer premium rewards or stellar sign-up bonuses.

That being said, it’s a perfectly fine card for any business owner that can’t qualify for a better one.


You own a business or are launching one. You want a credit card, but your credit isn’t pristine. The Capital One Spark Classic for Business might be the solution.

It pays an unlimited 1% cash back, which, although isn’t great for a cash-back card, sure beats nothing. And, although the APR is on the high side, as long as you pay the bill in full every month (and you always should) eventually you can build up your credit and hopefully move on to a credit card with more favorable terms.

The card does include some features we like. It charges no annual fee and allows for free employee cards. It’s also a Visa Business card, which includes some travel and auto protections.

Who should get this card

Small business owners who don’t qualify for a card with better rewards may be better off with this card than one without any rewards.


  • Earn an unlimited 1% back on all purchases.
  • You may qualify for this card even if your credit score is just so-so.
  • Rewards never expire as long as the account is open and in good standing.
  • There are no rotating or special bonus categories to keep track of.


  • The penalty APR for late payments is high, plus there’s a penalty fee, so if you anticipate having at least one late payment, you may want to consider a card with a more forgiving policy.
  • Many other business cards come with a sign-up bonus, but this one does not.
  • The transfer APR is the same as the purchase APR, so this card may not be a good choice for those looking to save interest on a balance transfer.
  • Small business owners who want to earn transferable points instead of cash back may be better off with a different kind of rewards card.
  • There are other small business cards that offer higher rewards rates — up to 5 times back — in specific categories.

Fees and APR

  • There’s no annual fee.
  • The card has a variable 26.99% APR.
  • There are no foreign transaction fees for purchases made outside the U.S.
  • There’s a penalty variable APR of 29.40% that may apply if you miss a payment or make a late payment, plus a late fee of up to $39.

Extras, perks and using rewards

The Capital One Spark Classic for Business comes with Visa Business Benefits, including auto damage and collision protection, emergency and travel assistance services and purchase protection.

The free extra cards for employees are also a nice perk, especially since the main cardholder accrues all the cash-back earnings.

You can redeem your rewards as a statement credit in any amount, at any time, by logging into your account online.