Capital One® Spark℠ Classic for Business

- Enjoy no annual fee
- Build business credit with eligibility for an automatic credit line increase
- Earn 1% cash back on every purchase, every day
- Separate business expenses from personal expenses
- $0 Fraud Liability if your card is ever lost or stolen
- Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service

(3.5 out of 5.0)

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
22.90%*
APR Type:
variable
Annual Fee:
$0.00*
Issuer:
Card Network:
Card Category:
Business (Regular)
Card Type:
Instant Decision Card
Reward Card
Credit Needed:
Average*
Grace Period:
25 Days*
Late Payment Fee:
Up to $39*

Balance Transfers

Balance Transfer:
Yes!

Cash Advances

APR on Cash Advances (%):
24.90%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
Returned Payment: $39.00

Comments

See website for complete terms and conditions of credit card usage and application disclosure.

Review

Cash rewards are somewhat common these days. The Capital One Spark series of credit cards does just that, but it is designed more to address the needs of business customers. For example, you will definitely earn cash rebates with every purchase, but this card lets you also earn credit increases every so often, which will come in handy as you expand your business.

This card also has no annual fee and competitive interest rates, but that is not everything. Indeed, you will also find that this credit card gives you exclusive business travel benefits like insurance, emergency service and discounts on hotels and dining as well as consumer benefits like purchase insurance, warranty extension, and security and fraud liability protection.

Features

Most attractive:
- No annual fee
- Cash back on every purchase
Least attractive:
- No bonus cash
- No Intro rates available
- High interest rate

Rewards & Benefits

Reward Types:
Cash Back Reward Cards
Universal Reward Cards
Reward Unit:
Cash
Rewards:
- 1% cash back on every purchase that you make, every day.
Expiration:
None
Yearly Limit:
None
Other Benefits:
*See Terms and Conditions for Other Benefits
Online Access:
Yes!

The information provided for Capital One Spark Classic for Business is believed to be accurate at the time of evaluation (Dec 7, 2011). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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