USES

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
Learn more
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
Show more

We recommend more cards

Capital One® Spark Cash Plus
Capital One Spark Cash Plus
$150
Annual Fee
None *
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
None
Annual Fee
18.49% - 24.49%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Capital One Spark® Miles
Capital One Spark Miles for Business
$0
Annual Fee
26.24%
Regular APR
5x
Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
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

Compare with other cards

Car rental
Venture X Rewards Capital One
Capital One Venture X Rewards Credit Card
3.53 out of 5
Recommended credit score
score
Excellent (740-799)
  • $395
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 10,000x
    10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Travel, Daily use
Venture Rewards Capital One
Capital One Venture Rewards Credit Card
3.43 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $95
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5x
    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site

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.

Another popular cards for you
Best for International students
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
3.43 out of 5
Recommended credit score
scorer
No Credit History
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on all purchases.
  • None
    Purchase Intro APR
Learn more
on our partner’s site