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Capital One® Spark® Classic for Business

Credit needed

Average, Fair, Limited

APR

26.99% (Variable)

Annual Fee

Card Summary

Capital One Spark Classic for Business is a business cash back credit card.

You can earn an unlimited amount of 1% cashback on all your purchases .

This card comes with a $0 annual fee.

Card Summary - Cons

Rates and fees

Issuer Name

Capital One

Penalty APR

29.40%

Credit Needed

Average, Fair, Limited

Balance Transfer Fee

None

Annual Fee

Cash Advance Fee

You can choose to pay $10 or 3% on each cash advance amount, depending on which is higher.

APR

26.99% (Variable)

Foreign Transaction Fee

N/A

Highlights

There is no annual charge. Unlimited 1% Cash Back on Every Purchase for Your Business, No minimum required.

This credit card can be used responsibly to build and strengthen your credit score.

Fraud Alerts and Coverage. Get all of the benefits from employee purchases by adding your card to our free service!

Cash back rewards for any amount at all.

No expiration Date.

No foreign transaction fees.

Comparative Analysis with Other Cards

Cardholder benefits include an auto rental collision damage waiver and purchase security. They also offer extended warranty coverage and travel assistance.

Capital One Spark Classic for Businesses vs. Capital One spark Cash Select for Businesses

Annual Fee: Capital One Spark Classic for Business cards have an $0 annual fee, while the Capital One Spark Cash Select for Business cards do not charge any annual fees.

Reward: The Capital One Spark Classic Business Card will give you 1% cashback on any purchase. Capital One Spark Cash Select for Business cards earn 1.5% cashback on all purchases.

Sign-up bonus: Capital One Spark Classic Business Card does not offer a sign up bonus.

Capital One Spark Cash Select Business card holders can receive a $200 cash bonus if they spend $3,000 within the first three months of account opening.

Benefits: The benefits of both cards include an auto rental collision waiver, purchase security and extended warranty coverage. They also offer travel and assistance services.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

2026 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

Each individual’s credit situation is unique and influenced by a variety of factors. The way these factors interact and impact a person’s credit score may vary. Bright Capital, Inc. strives to provide accurate and up-to-date information. However, we cannot guarantee the completeness and correctness of the content provided. This page is intended for informational purposes only and does not constitute financial or legal advice, nor does it imply an endorsement of any third-party products or services. All products and services are presented without warranty. Bright Capital, Inc. does not offer financial, legal, or tax advice. We strongly recommend consulting with your own financial, legal, or tax advisors for guidance specific to your situation.

Capital One® Spark® Classic for Business

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

Capital One Spark Classic for Businesses vs. Capital One spark Cash Select for Businesses

Conclusion

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Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Capital One® Spark® Classic for Business

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

Capital One Spark Classic for Businesses vs. Capital One spark Cash Select for Businesses

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources