WalletHubNo membership feesNo foreign transaction feesQualify with limited credit historyDoes not require security depositHigh regular APR
Fair Credit, Limited History, No Credit
$0
29.49% (V)
APR: 29.49% (V)
Balance Transfer Fee
Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Free employee cards, which also earn unlimited 1% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
No annual fee
Build and strengthen credit for your business by using this credit card responsibly
$0 Fraud Liability for unauthorized charges
No foreign transaction fees
| cash advance fee | 5% (min $5) |
| cash advance APR | 29.49% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | 33.4% (V) |
| grace period | 25 days |
October 1st, 2025
No membership fees
No foreign transaction fees
Qualify with limited credit history
Does not require security deposit
High regular APR
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0% for 12 billing cycles | Purchase Intro APR0% for 12 months |
transfer intro aprNot Offered | transfer intro apr0% for 12 billing cycles|Transfer Fee: 5% (min $5) | transfer intro aprNot Offered |
Regular APR29.49% (V) | Regular APR16.74% - 25.74% (V) | Regular APR17.24% - 27.24% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about Capital One Spark Classic for Business to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You cannot prequalify for the Capital One Spark card, but Capital One has a prequalification page for their consumer credit cards.
The Spark Classic was designed for people with no credit history, but if you have an established credit history only apply if your score is 650+.
The Capital One Spark Classic for Business * is available to people with limited credit. That means you do not need to have a credit score to get approved for the Capital One Spark Classic for Business *.
Note that there are plenty of other things that will impact your chances of being approved for the Capital One Spark Classic *, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.
The minimum requirements for the Capital One Spark Classic * are being an owner, officer, or partner of a business, having little to no credit history, or at least fair credit personal credit, and earning enough income to make monthly card payments. You'll also need a Social Security number or International Tax Identification Number.
Minimum Capital One Spark Classic * Requirements
You can get approved for the Capital One Spark Classic card with no credit.
Spark Classic is an entry-level unsecured credit card for small business owners with limited or fair personal credit. So you should be able to get approved without much, or any, prior credit experience, as long as there aren't any negative records on your credit report.
You can check your report for free on WalletHub. We recommend doing that before you apply.
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.
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...
You can check for Capital One Spark Classic credit card pre-approval online.
Capital One has a pre-approval tool that allows potential applicants to gauge their approval odds before submitting an application. From the Capital One credit cards page, click the “See if You're Pre-Qualified” link. Then, complete the electronic questionnaire and press the green “See Your Card Offers” button.
The pre-approval tool isn't just for the Capital One Spark Classic, so the search...
Yes, Capital One Spark Classic for Business * will do a hard pull on your credit report when your application is evaluated. It is designed for applicants with limited credit (less than 3 years of credit history), but other factors will also be taken into consideration. These include your income, debts and overall ability to make credit card payments.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it...
Share your insights and review for the Capital One Spark Classic for Business
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Offer last updated: Oct 1st, 2025 at 15:38 ET
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