With the Capital One Spark Classic for Business, this is a great card for those with fair, average, or limited credit levels. Great way to build business credit with responsible use AND it comes with no annual or foreign transaction fees! On top of that, you’ll be earning 1% cash back on every purchase! To find out if this card’s features will benefit you, continue to read below.
Capital One Spark Classic for Business Summary
Earn & Redeem Cash Back
All purchases earn an unlimited 1% cash back. Redeem accumulated cash back in any amount for statement credits or paper checks. You can also set up automatic redemptions that send paper checks or apply statement credits once you hit a redemption threshold of $25, $50, $100, or $200.
You can redeem accumulated cash back for gift cards and other items. However, those will be worth lower than the standard $0.01 per cash back point. In addition, their values are subject to change without warning.
Spark Classic for Business Cardholder Benefits
- Quarterly and Year-End Summaries: At the end of each quarter and at the end of the year, you’ll get a detailed summary of your spending during the preceding quarter and/or year, including employee card spending. The summary includes categorized, itemized spending records designed to simplify your business’s tax preparation, budgeting, and accounting processes.
- Downloadable Purchase Records: You can get downloadable purchase records designed for easy translation to accounting software like QuickBooks, Excel, and Quicken. This way, accounting and tax prep processes are much simpler to do.
- Complimentary auto rental collision damage coverage when the full amount of the rental is charged to your card
- Luggage protection up to $3,000 per trip
- 24/7 emergency travel assistance services (lost card replacement and ticket replacement)
Author’s Verdict
This card doesn’t come with a bonus. However, with the Capital One Spark Classic for Business, you can build your business credit! Those with average, fair, or limited credit can use this card to build their credit. On top of that, you will have no annual or foreign transaction fees to worry about!
Provide feedback in the comment section below by telling us your thoughts and experience with this card. Make sure to also visit BankDealGuy to explore more credit card bonuses. If you’re looking for the best card for you, see our Best Credit Card Category post to help pinpoint the best card for you!
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