Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Benilyn Formoso - Suralta, Fit Small BusinessThe Capital One® Spark® Classic for Business is best for business owners who need a card that will help them build both personal and business credit without having to make a security deposit.
- Rebecca Lake, MyBankTrackerA business credit card option to consider if you have average credit and want to work on improving it. At the same time, you get rewarded in the form of cash back on purchases. Obviously, you'd want to consider another business credit card if you have good to excellent credit. Overall, this card is...
- Holly Johnson, NextAdvisorThe Capital One Spark Classic Business Card lets business owners with imperfect credit or limited credit history earn rewards with no annual fee. Consider this card if you want the chance to build credit while earning 1% cash back on business purchases.
- Gabe Rueda, SmartAssetA card that helps you free up your money as you use it. Thanks to the lack of an annual fee and a 1% cash back bonus on every purchase, this card is an excellent deal over time. You will also receive free cards for employees with your membership, and a $0 transaction fee on foreign purchases.
- Brendan Harkness, Credit Card InsiderIt’s a simple card, but if you want to improve your business’s credit while earning a bit of cash back too, this card provides a way. Capital One reports positive business card activity to more business credit bureaus than most other card issuers. So this and other Capital One business cards are goo...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
18.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
18.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
Lost Luggage Reimbursement |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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