Spark® Classic from
Capital One®


Spark® Classic from Capital One®

Credit Level: AVERAGE

Average Customer Rating Read all 1394 reviews

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Annual Fee


Purchase Rate


Unlimited Rewards

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

Credit Building

Build and strengthen credit for your business by using this credit card responsibly.

Fraud Coverage and Alerts

We've got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.

Free Employee Cards

Add employee cards for free and earn all the rewards from their purchases.

Rewards Your Way

Get cash back rewards for any amount at any time with no expiration date for the life of the account.

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Card features and benefits

Our cash back business credit cards come with these features

Year-end summaries

Get a custom, itemized spending report to simplify planning, budgeting and taxes.

No foreign transaction fees

Make purchases outside of the US with zero transaction fees.

Easy accounting

Download your purchase records quickly and securely to multiple formats including Quicken®, Quickbooks™ and Excel®.

Spark® Classic also comes with these Visa® Business Benefitsfootnote2

Travel and emergency assistance services

You can count on a wide range of emergency services including legal or medical referrals, ticket replacement, and more - 24 hours a day, 365 days a year.

Auto rental damage waiver

Visa has you covered for damage caused by collision or theft when you rent an eligible car.

Purchase security and extended protection

Visa will replace, repair or reimburse eligible items within 90 days of purchase. Plus, it doubles the length of the manufacturer's warranty.

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Rate and fee information

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{{PRODUCT_NAME_SHORT}} Credit Card from Capital One

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

  2. 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.