Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business
Issued by Capital One
Advertiser Disclosure
Annual Fee
Regular APR
24.74% (V)

Additional Information

Balance Transfer Fee
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Late Payment Fee
Returned Payment Fee
See Terms*
Cash Advance Rate
24.74% (V)
Cash Advance Fee
3% (min $10)
Foreign Transaction Fee
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

No Sign-Up Bonus.


Earn 1% cash back on every purchase, every day

Application Requirements

Minimum credit score
Minimum Age
18 years old

How To Apply Capital One® Spark® Classic for Business

  • If you are keen to apply for the Capital One® Spark® Classic for Business, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.

  • To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.

  • The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.

  • When you have completed the form, the application needs to be reviewed, and you will receive your Capital One® Spark® Classic for Business soon if your audit passes. 

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How To Use Capital One® Spark® Classic for Business

Where Can You Use

  • It can be used anywhere VISA is accepted.

Pay Your Bill On Time

  • You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

  • 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

  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Credit Card Reviews

18 Reviews
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User Name

Not a true business card
Lisa C.
1 year ago

IF you are just starting out in business, or have no credit history, this is a good starter card. However, it fails as a true business card, with a very low credit limit and increases auto denied. After 2 years with our card in good standing, a credit line increase was denied due to "a history using too much of your available credit limit" Well, it's only a $500. limit, and one supply order for our business may be $450. + the card has always been paid off, never over limit, with no late payments; AND the main reason to increase to limit is to decrease the utilization (which, btw, is presented on your personal credit history, not your business credit)! I called to speak to a representative after the increase was denied, and low and behold that "department" (credit line increase ) does not accept phone calls from customers. We have a Chase business card with 20X this limit, lower interest rates; and actual people on the customer service line 24/7. Sorry Cap 1, this card doesn't make the cut as a business card.

Mixed opinions
1 year ago

Considering my scores, I was pleased to get a business card with rewards. My initial CL was $2,000 and it hasn’t increased yet (almost 6 months on time now). My gripe, like everyone else, is this card goes against your personal credit rating. I had a chapter 7 BK about a year ago so I’m using all my credit cards to get my scores up. I’m approaching a 700 with all 3 bureaus already because I keep the usage low. I’ll max the card out and pay it off the day the payment is due. If you’re looking for a CL increase like I am, I believe this is the best way to go about it because I’ve shown Capital One I'm using the card to its limit but I can also pay it off. This is how they explained it to me when I called to ask for an increase and the best way to go about it. Hope this helps. 

Easy approval
1 year ago

Low limit for a business account. Hope they raise it soon.

1 year ago
"Low limit for a business account. Hope they raise it soon."
Hard inquiry on your personal credit!
1 year ago

Applied and Approved. But during the aplication process they needed my companies EIN not a problem since its a business card but they also needed my SS on the application it said "Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your Social Security Number is required and used for identification purposes."  No where did it say that my social would be used for a credit check or hard inquiry, thanks for dropping my score by 21 points for a $500 limit card. 

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