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Accessible to Businesses with Fair Credit: The Capital One® Spark® Classic for Business doesn't require excellent credit, making it accessible to a wider range of businesses.
1% Cash Back: This card offers unlimited 1% cash back on all purchases, which can add up over time.
No Annual Fee: Keeping costs down for businesses, this card comes with no annual fee.
Builds Credit: It helps businesses build credit with responsible use since it reports to business credit bureaus.
Lower Rewards Rate: Compared to other business cards, the 1% cash back rate is relatively low.
High APR: With an APR of 29.99% (Variable), the cost of carrying a balance can add up quickly.
No Sign-Up Bonus: Unlike many other cards, this one does not offer a sign-up bonus to new cardholders.
No Intro APR Offer: This card does not offer an introductory APR for purchases or balance transfers.
The Capital One® Spark® Classic for Business is a smart choice for small business owners with fair credit who want to build their credit history while earning rewards. The lack of annual fee and the straightforward 1% cash back on all purchases make this card a low-maintenance option for business expenses. While the rewards rate and APR may not compete with some other cards, the accessibility and credit-building features of this card make it a solid option for businesses working on improving their credit.
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N/A
$0
Earn unlimited 1% cash back for your business on every purchase
N/A
29.99% variable
0%
Fair/Limited
Capital One
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
$0
Earn unlimited 1.25 miles per dollar on every purchase. Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel
0% intro APR for 15 months
19.74% - 29.74% variable
0%
Good/Excellent
Capital One