Capital One Spark Classic Review Is It Worth It?

Are you looking for the ideal business credit card to expand your company’s financial horizons? With so many options available, how do you figure out which one to choose?

To complement your own research, my team and I looked into the details of each popular business credit card on the market. By sharing this information with you, we hope to make your decision much simpler.


This Capital One Spark Classic business credit card review gives you an overview of the card's pros and cons, fees and features, customer reviews and more. Let’s find out if it’s the right card for you!

Capital One Spark Classic for Business Pros & Cons


  1. My favorite feature of the Capital One Spark Classic for Business card is that there’s no annual fee. While some competing cards have annual fees of around $100, it’s great to save some cash by not paying one at all.
  2. You don’t need a spotless credit history to get a Spark Classic for Business card. Even if you have average credit or a somewhat limited credit history, you can still qualify for this card.
  3. Even with no annual fee and modest credit requirements, Spark Classic for Business is still able to offer some nice bonuses, including unlimited 1% cash back on all purchases.


  1. Spark Classic for Business comes with an APR of 23.99%, which is one of the highest rates in the industry. If you choose to use this card, you'll want to avoid carrying over large balances month-to-month.

Capital One Spark Classic Alternative

The Capital One Spark Cash card has a high, unlimited cash-back rate as well as a competitive APR. If you do not qualify for th Spark Classic card, check out our review of the Capital One Spark Cash card. Read Review

Capital One Spark Classic Fees & Features

Let's take a look at how Capital One advertises this credit card on their website, then we’ll dive into the details.

Capital One Spark Classic for Business Credit Card Fees & Features

Spark Classic for Business is a great choice for entrepreneurs with less-than-perfect credit histories. As I mentioned, there aren’t high credit requirements to acquire this card, and it’s more fully-featured than most other cards that accept average-credit applicants.

As a Spark Classic for Business cardholder, you’ll receive the following features:

  • No annual fee
  • 1% cash back with no limits
  • 23.99% APR
  • No foreign transaction fees
  • Comprehensive, zero-liability fraud protection

I should mention that, like most cards with “loose” credit requirements, your credit limit with Spark Classic for Business may be quite low. Some cardholders' limits are as low as $500, and it can take a while for Capital One to approve increases.

Customer Reviews

Typically, it's difficult to find customer reviews of specific credit cards on third-party review platforms. However, fortunately, Capital One has accumulated extensive feedback on Spark Classic for Business on their own website.

For the most part, this card gets great reviews -- many customers talk about how much it helped them improve their credit scores. However, there are also some unsatisfied cardholders who say the limit is too low to function as a business credit card.

Customer Reviews Section Last Updated 11-8-17

Conclusion: Most customers are quite satisfied with their Spark Classic for Business card, and the reviews largely reflect that. As long as you’re okay with having a relatively low credit limit, this card should work well for you.

How Capital One Spark Classic Compares

Capital One Spark Classic for Business is a strong business credit card, but it may not be right for you. Let’s see how this card stacks up against another Capital One card with slightly higher credit requirements, Spark Cash.

Fees: Whereas Spark Classic has no annual fee, Spark Cash charges a $95 annual fee -- although they do waive it for your first year. Both cards have no foreign transaction fees. 

Cash back: Spark Classic gives you 1% unlimited cash back, while Spark Cash offers 2%. 

Bonuses: While Spark Classic doesn’t have any cash bonuses, Spark Cash offers a $500 bonus if you spend at least $4,500 in your first 3 months.

APR: Spark Classic has a flat APR of 23.99%. On the other hand, Spark Cash checks in at a low rate of 17.99%.

Here's A Quick Visual

Spark Classic

Service Charge of $0

1% unlimited cashback

Perfect for: Anyone with less-than-perfect credit

Spark Cash

Service Charge of $95/year

unlimited 2% cashback

Perfect for: Anyone with excellent credit looking for a card with unlimited rewards

Frequently Asked Questions

They sure do. Capital One Spark Classic for Business includes comprehensive fraud coverage. You won’t have any liability for fraudulent charges, and you’ll be alerted about any suspicious activity on your account immediately.

It’s about as simple as possible, and they won't cost you a dime! It’s easy to manage employee cards on Capital One’s website, plus you’ll earn full cash back on their purchases.

Yes! Every Spark Classic for Business cardholder receives customized, itemized reports every quarter and at the end of every year.

Should You Use Capital One Spark Classic?

3.9/5 Stars

Capital One Spark Classic for Business earns a score of 3.9/5 in my book. The card is relatively easy to obtain as far as your credit is concerned, and there’s no annual fee. If you’re ready to apply for a Spark Classic for Business card, or if you need more time to review your options, simply use the buttons below!