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


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
Regular APR
26.99% Variable APR
Intro APR
Rec. credit score
630-689 (Average)


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