Mark Towers, WalletHub Credit Card Analyst
There is no pre-set minimum income requirement for the Capital One Spark Classic for Business, but as with any credit card, you need to have enough income to afford payments.
The Capital One Spark Classic card is designed for people with limited credit (less than 3 years of credit history), but factors such as your debt-to-income ratio and overall ability to make payments will also be considered. And having past due Capital One credit card accounts or non-discharged bankruptcies are among some of the factors that deem you ineligible for the Capital One Spark Classic.
When applying, your total annual income may include your personal income, such as full-time or part-time jobs, self-employment earnings, interest or dividends, retirement or public assistance. Shared income consisting of money that is regularly deposited into your individual account or a joint account can also be included as part of your income.
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