Credit Level Guidelines
Which of these 4 best describes you?
Spark® Classic from Capital One®
Credit Level: AVERAGE
I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000.
I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year.
I’ve defaulted on a loan in the past 5 years OR I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card).
I’ve defaulted on a loan more than once. OR I’ve been declined for a credit card in the last 3 months.
24.74% variable APR
Earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem.
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.
Card features and benefits
Our cash back business credit cards come with these features
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.
Download your purchase records quickly and securely to multiple formats including Quicken®, Quickbooks™ and Excel®.
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.