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Spark Classic Business Credit Card

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  • Build business credit with responsible use with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
  • Reedem your cash rewards at anytime 
  • Separate business expenses from personal expenses
  • Enjoy no annual fee

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 22.9%* (Variable) $0 N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 22.9%* (Variable)
  • Cash Advance Rate: 24.9%* (Variable)
  • Late Fee: Up to $39
  • Cash advance Fee: 3%, Min: $10
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Fair Credit Score

Spark Classic Business Credit Card Review

The Capital One Spark Classic credit card is the Spark business credit card line's option for small business owners without excellent credit.  In addition to having the opportunity to build your business credit, you'll also earn 1% cash back for every $1 spent - a great perk, considering on the majority of purchases on business credit cards that's what you'll be receiving anyway.  Additionally, there's no limit to the amount of cash you can earn and your cash rewards don't expire.  Redeeming your accrued rewards is painless; simply redeem anytime by phone or online, or Capital One will automatically send you a check each year.  

Additionally, because this card is for users with just fair credit, the introductory credit limits can sometimes be lower than competitors.   But Capital One makes it easy to get a credit line increase — just use your Spark Classic Business Credit Card in the first 90 days, stay within your credit limit, and make your first 3 monthly payments on time. Capital One will also send regular reports about your account to business credit bureaus so you can build your business credit score with responsible card use.

Ultimately, the Capital One Spark Classic credit card is specifically tailored to those who are trying to build up their credit - because of this, it might not have the best business credit card rewards program.  If your business currently has great credit, we'd recommend exploring the Capital One Spark Cash  business credit card or the Capital One Spark Miles business credit card.