Capital One Spark Classic Review: Ideal for Entrepreneurs With Fair Credit

Focused on small-business owners with fair or average credit, this card earns unlimited 1% cash back on all purchases. The downside? A high APR.

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Our Take

3.0

NerdWallet rating 
The bottom line:

A decent choice among the short list of business cards for people with fair or average credit, this card has a straightforward cash-back program and no annual fee.

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Capital One Spark Classic Business Credit Card
Capital One® Spark® Classic for Business
Annual fee
$0
Regular APR
26.99% Variable APR
Intro APR
N/A
Rec. credit score
630-689 (Average)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.