Rhonda Stewart, WalletHub Loans Analyst
The Capital One Spark Classic for Business benefits include 1 - 5% cash back, free employee cards that earn rewards, and a $0 foreign transaction fee.
Here are the Capital One Spark Classic benefits:
- Ongoing spending rewards: You earn 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1% cash back on all other purchases, with no limits or category restrictions.
- Free employee cards: You can track employee spending, set customized spending limits and earn rewards from their purchases.
- $0 foreign transaction fee: A $0 foreign transaction fee makes Capital One Spark Classic an ideal travel companion and a good option for online purchases from international merchants.
- $0 annual fee: $0 extra costs just for having the card.
- Rental Car Insurance: Coverage for incidents of damage or theft occurring while renting an eligible car.
- $0 Fraud Liability: You are not responsible for any unauthorized charges if your card is lost or stolen,
The Capital One Spark Classic card is a great option for applicants with limited credit (less than 3 years of credit history) and has a $0 annual fee, while offering an average cash back earning rate (5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1% cash back on all other purchases).
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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