Spark Classic from Capital One: What to know

To jump-start your business journey, you might consider applying for a business credit card. The Spark Classic from Capital One provides great benefits and the opportunity to earn unlimited 1% cash back on all purchases you make. You can enjoy all these features and more for no annual fee, so you can focus on building your business’s future.

Keep reading to learn more about Spark Classic to determine if this credit card is the right match for your business’s needs.

What you’ll learn:

• The Spark Classic from Capital One is a business credit card that offers unlimited 1% cash back for no annual fee.

• Those with fair credit profiles can apply for the Spark Classic to build a strong foundation for their business.

• In addition to earning unlimited 1% cash back, Spark Classic offers elevated travel benefits, employee access capabilities and account management tools.

• If you’re interested in applying for the Spark Classic for your business, you can get pre-approved with Capital One to determine which cards you may be eligible for.

The Spark Classic from Capital One is best for business owners who want to build credit while earning cash rewards with no annual fee.

With Spark Classic, you can earn unlimited 1% cash back on every business purchase you make, without any limits or category restrictions. Plus, you can earn an additional 5% cash back on hotels and rental cars booked through Capital One Travel.

The Spark Classic doesn’t charge an annual fee, which means you can enjoy great business benefits and unlimited 1% cash back while keeping more money in your pocket. 

Spark Classic is geared toward fair credit profiles, which makes this card an excellent choice if you’re looking to build or rebuild your credit—while establishing a strong foundation for your business.

Managing your account is easy with features tailored to your business’s unique needs.

By setting up AutoPay, you don’t have to worry about missing a payment. Plus, you can choose the payment due date that’s most convenient for you.

You can use your year-end summaries to better understand your business’s spending with an itemized report, which can also simplify budgeting and tax time. 

You can use a virtual card to make safer online payments. This way, your actual card number won’t be visible to merchants. 

For a convenient way to review your transactions, you can securely download your purchase records in various formats—such as Quicken®, QuickBooks® and Excel®. Plus, you can review transaction details and a list of recurring charges to stay on top of your purchases.

Spark Classic lets you easily manage and control employee spending with various features, such as:

Provide your employees with credit cards to use to make transactions on behalf of your business—while earning rewards on every purchase they make.

You can designate an account manager to:

• Make purchases and payments

• Add, freeze or remove authorized users

• View the account’s balance and available credit

• Review transactions

• Resolve any problems

For each employee, you can set customized spending limits and review transactions as soon as they post. 

Whether you’re attending a conference, visiting a client or representing your company at a trade show, Spark Classic can support your business’s travel needs.

If you’re traveling outside the United States, you don’t have to worry about being charged foreign transaction fees on any purchases you make.

If you experience an auto-related emergency, you can access services like tire changing, jump-starting and towing.

Shop with confidence knowing you’re getting the best price on thousands of trip options. Plus, you’ll earn an additional 5% cash back on hotels and rental cars booked using the Capital One Travel platform. 

As a Spark Classic cardholder, you’ll have added peace of mind with enhanced security benefits, such as:

If your card—or an employee’s card—is lost or stolen, you’ll be covered with $0 fraud liability for unauthorized charges. 

If suspicious activity or a mistake is detected on your account, you’ll receive a text message or email alert so you can take immediate action.

You can lock your card or an employee’s card if it’s lost or stolen to prevent new charges. 

If you’re looking for a way to earn rewards without paying an annual fee, the Spark Classic from Capital One might be the right card for you. To find the right match for your business, you can compare Capital One business credit cards and get pre-approved with no harm to your credit.