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Capital One® Spark® Classic for Business Review

Capital One® Spark® Classic for Business — all information about the card.

Updated April 22, 2024
Advertiser Disclosure Our Methodology
Capital One® Spark® Classic for Business
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Our Rating:
5 out of 5
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1% Cash Back on every purchase.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    29.99% Variable
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Learn more

Capital One® Spark® Classic for Business Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Hotels
$
5%
Car rental
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 5% On hotels and rental cars booked through Capital One Travel.
    • 1% On every purchase.
  • Travel
    • No Foreign Transaction Fees:
    • Pay zero foreign transaction fees on purchases made outside of the United States.
    • Roadside Assistance:
    • Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 29.99% Variable
  • APR for Cash Advances
    • 30.74% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • Either $3 or 3% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 34.4%
  • Late Payment
    • Up to $39
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • High APR
  • No Intro APR period

Features

Classic
Visa
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Travel
  • Fair Credit

About the issuer

Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Regular APR
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    Purchase Intro APR
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See Another Credit Cards in the Bank

Capital One Spark® Classic for Business is an option for those, who need Classic features. With an APR of 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair (580-669) credit score. With Capital One Spark® Classic for Business you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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