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You are here: Home / Credit Cards / Capital One Spark Classic for Business Credit Card Review

Capital One Spark Classic for Business Credit Card Review

April 7, 2022 by Rob Berger

With no annual fee and unlimited 1% cash back rewards, the Capital One Spark Classic for Business card is suitable for small business owners who like a simple cash back system. The card itself would not be a great fit for someone who is a big spender, or those with higher credit, as there are better credit cards out there for that demographic. Also, the APR is really high, so unless you have fair credit and really need a business credit card, wait until your credit improves and apply for a different card. We dive into the details and your approval odds in this Spark Classic review.

Capital One Spark Classic for Business
Learn More
Our Rating
/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1% to 5%
0% on Balance Transfers
None

Pros & Cons

Pros

  • No annual fee
  • Unlimited 1% cash back
  • Requires Fair credit

Cons

  • High APR
  • Not suitable for big spenders/higher credit

Features & Benefits

SecurityFraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, 24/7 customer service
Travel PerksRoadside Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR29.74% (V) APR

What Credit Score Is Required to Get the Spark Classic

Based on data we’ve collected from public forums, a credit score of 680 or higher is ideal. We have seen an approval with a score as low as 652, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/21/2022
683
Experian
$8,000
Approved11/07/2017
678
Experian
$500
Approved02/14/2020
725
Equifax
$5,000
Approved02/14/2020
772
TransUnion
$5,000
Approved02/14/2020
792
Experian
$5,000
Approved03/07/2015
680
Equifax
$2,000
Approved03/07/2105
714
Equifax
$2,000
Approved03/07/2015
718
TransUnion
$2,000
Approved12/21/2022
652
TransUnion
$8,000
Approved12/21/2022
668
Equifax
$8,000

What Are the Best Alternatives?

Capital One Spark Cash Select - 0% Intro APR for 12 Months
Capital One Spark Cash Select - 0% Intro APR for 12 Months

Rating

4.5

Rewards Range

1.5% to 5%

Annual Fee

$0

Read Review
BankAmericard® Secured Credit Card
BankAmericard® Secured Credit Card

Rating

4.5

Rewards Range

N/A

Annual Fee

$0

Read Review
Revenued Business Card Visa® Commercial Card
Revenued Business Card Visa® Commercial Card

Rating

5.0

Rewards Range

3%

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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