Capital One Spark Classic for Business (2024)

The Capital One Spark Classic for Business card 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 card. Capital One evaluates applications based on a review of the applicant's personal credit history, since cardholders must personally pay off any debts the business cannot.

You should note that there are plenty of other things that will impact your chances of being approved for the Capital One Spark Classic Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status. You can check your credit score for free on WalletHub.

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The main Capital One Spark Classic* requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least limited credit history.

Capital One Spark Classic Requirements

• At least 18 years old
• Physical U.S. address (no P.O. boxes)
• Proof of enough income to make the monthly minimum payment
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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.

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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...

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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...

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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...

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The Capital One Spark travel insurance covers car rentals, along with death and injury when you travel.

If a covered event takes place, call the number on the back of your card and they will provide assistance. Of course, conditions apply so make sure to consult the paperwork that was mailed with your card.

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