Spark Classic for Business



Average Customer Rating Read all 1260 reviews

This card is for business owners with AVERAGE CREDIT.

View important rates and disclosures.

Annual Fee


Purchase Rate


Credit Building

Get the opportunity to build and strengthen credit for your business by using this card responsibly

Unlimited Rewards

Earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem

Fraud Coverage and Alerts

$0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone

Free Employee Cards

Add employee cards at no additional cost, and earn all the rewards from their purchases

See how much you could earn

Slide right or left1

$ = ${{annualRewards() | addCommas}} cash back every year

Card features and benefits

Spark BusinessSM credit cards come with these features

Quarterly and year-end summary

Get a custom, itemized report of your spending to help simplify planning, budgeting, and tax time.

No foreign transaction fees

You won't pay a transaction fee when making purchases outside of the United States.

Rewards your way

Rewards don't expire, and you can redeem your cash back for any amount, anytime.

Spark® Classic also comes with Visa® Business Benefits2

Auto rental collision damage waiver

You're covered for damage due to collision or theft when you rent an eligible car with your Spark Business card—so you can travel with peace of mind.

Purchase security and extended protection

Enjoy coverage for eligible items you buy with your Spark Business card if they are lost or stolen within 90 days of your purchase. Plus, it doubles the length of the manufacturer's warranty.

Travel and emergency assistance services

When you're traveling for business, you can count on a wide range of Visa emergency services including ticket replacement, legal or medical referrals, and more—24 hours a day, 365 days a year.

Certain terms, conditions and exclusions apply. Please see the Visa Guide to Benefits for specific details.

You may need to download a free copy of Adobe® Reader® to view PDF files

Ratings and reviews

Average customer ratings

Online Experience
Customer Service
Account Benefits

Rate and fee information

for the Spark Classic Credit Card

Need more information about business credit cards? Go to business cards FAQ.

Want to know more about rewards? Go to rewards cards FAQ.

Have questions about Capital One cards? Go to general credit card FAQ.


The actual amount of cash back you earn will depend on your credit limit and purchase activity.


Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.