capital-one

Capital One® Spark® Classic for Business

The Capital One Rewards Mastercard allows frequent shoppers to stock up on reward points from purchases made at the retail giant.

Credit needed
Average, Fair, Limited
APR
26.99% (Variable)
Annual Fee
$0

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
$0
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.

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