Can I use the Capital One Spark Classic to pay for maintenance on my car? This question is about the Capital One Spark Classic for Business

Can I use the Capital One Spark Classic to pay for maintenance on my car?

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This question is about the Capital One Spark Classic for Business

Peter Fox, WalletHub Analyst

@PeterFox • 08/06/21 This answer was first published on 07/08/21 and it was last updated on 08/06/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, you can use the Capital One Spark Classic card to pay for maintenance on your car as long as the repair shop accepts credit card payments.

Capital One Spark Classic belongs to the Mastercard network, so you’ll be able to use it pretty much anywhere that accepts credit cards as Mastercard benefits from extensive worldwide acceptance.

Capital One Spark Classic also comes with a $0 foreign transaction fee. So you won’t have to worry about extra costs when servicing your vehicle abroad, or using your card for any other purchases outside the U.S., or online, through international merchants.

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What's the Capital One Spark Classic credit score requirement?

The Capital One Spark Classic credit score requirement is 640+. This means that you need to have at least fair credit to get this card.

At the same time, though, Capital One Spark Classic is also designed for people with limited credit. So, you should be able to qualify for this card even if you have less than 3 years of credit history.... read full answer

However, meeting the credit score requirements doesn’t guarantee that your application for Capital One Spark Classic will be approved. The issuer will also take into account various other factors like your credit history, income, and any debts you might have.

Ultimately, you can check your credit score for free on WalletHub before applying for the Capital One Spark Classic card.

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What credit bureau does Capital One Spark Classic use for approval?

When applying for the Capital One Spark, Capital One uses Experian (36% of the applications), Equifax (32% of the applications) and TransUnion (32% of the applications), roughly equally.

In some cases, it will check two or three credit bureaus when making a lending decision.

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Does the Capital One Spark Classic card report to Dun & Bradstreet?

No, the Capital One Spark Classic does not report to Dun & Bradstreet.

They only report to the three major credit bureaus, TransUnion, Experian and Equifax.

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