Capital One® Spark® Classic for Business

Card details
on Capital One's secure website
4.8, 1510 votes
Card details
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • 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
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 23.99% (Variable)
Annual Fee $0
Recommended credit score
630 689 Average
Our Review
  • No annual fee
  • Cash back rewards
  • Building business credit

The Capital One Spark Classic Credit Card is a lot cheaper than most high-interest loans cards for people who have a balance need to pay in every month. Besides, the businessman can get cash-back rewards on their spending, too. People can also strengthen their personal and business credit if they make the payments on time.


The relatively high ongoing Variable APR of 23.99% makes it not a good choice for business to carry debt. People who want to do good for their business can choose other low APR rate cards.


For people who have fair credit and can make the timely payments in every month, the Capital One Spark Classic Credit Card might be the best one card for them to borrow money for their business.