Many business cards require good to excellent credit scores, which can put you out of the running if your credit is in the fair range. The Capital One Spark Classic for Business simply requires fair credit, so it can be an ideal first step to building your business credit if you’re in the fair category. The card also has no annual fee, so it won’t cost you anything as long as you make your payments in full.
Pros
Unlimited cash back potential, making it easy to track rewards and keep your earnings simple.
No annual or foreign transaction fees to dig into your rewards earnings.
Cons
It lacks introductory APR offers, which can provide a lot of value during your first year.
The higher regular APR makes carrying a balance very expensive.
