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The Capital One Spark business credit cards offer some of the highest rewards rates for a business credit card. The prospect of earning up to unlimited 2% back or 2x travel miles is exciting. Before you apply, it’s important to check your Capital One Spark Business cards approval odds. There are 5 different Spark credit cards you can apply for. You will either need a credit score of at least 640 which is the start of “good credit.” Although, you will need a 740 credit score or higher to qualify for the best Capital One credit cards for travel, including the business cards. Capital One Credit Score Requirements for the Best Spark Business Cards Approval OddsWhen determining your approval odds, it’s worth seeing what Capital One defines as good or excellent credit. Certain credit events can affect your approval decision. Capital One pulls your credit report from all three bureaus, so make sure any errors are corrected to improve your odds.  Credit: Capital One Spark Business Cards Approval Odds for Excellent CreditIf your credit score is above 740, you most likely meet most (if not all) of the below traits:
You will need excellent credit to easily qualify for the Capital One Spark Miles for Business that earns 2x miles and Capital One Spark Cash for Business card that earns 2% back. The Capital One Spark Miles Select for Business that earns 1.5x miles and Capital One Spark Cash Select for Business that earns 1.5% back also requires excellent credit. The information for the Capital One Spark Cash for Business and the Capital One Spark Miles Select for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer. Spark Business Cards Approval Odds for Good CreditA credit score between 670 and 739 usually meets these credit factors:
This is the minimum credit needed to qualify for any Capital One Spark Business credit card and still receive instant approval. If your credit score is in the low 700s, you can still have good approval odds for Spark Miles or Miles Select and Spark Cash or Cash Select. But, your application may require further review to reach a decision. Spark Business Cards Approval Odds for Average CreditIt’s still possible to get approved for the entry-level Capital One Spark Classic for Business with a credit score above 600. You will fit into this credit tier if you:
The information for the Capital One Spark Classic for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer. Other Capital One Credit Card Application Rules to Know to Get the Best Capital One Spark Business Cards Approval OddsThere are a few other credit card application guidelines you need to meet as well.
If you can say “yes” to these requirements and have good or excellent credit, you have good approval odds. Capital One does have some of the best credit cards for travel rewards so aiming to meet these approval requirements is well worth the effort. Capital One Spark Business Cards Approval OddsBelow is a card-by-card look at what credit score you need to have the best approval odds. With the exception of the Capital One Spark Classic, you will have the highest approval odds with the other four options when your credit score is at least 740. Although several current owners report being approved with a 700+ credit score when excellent credit is necessary. Capital One Spark Miles for BusinessCredit Score Needed: Excellent (700+) The Capital One Spark Miles for Business earns unlimited 2x miles per $1. The annual fee is $0 for the first 12 months then $95 after that. Your miles can be redeemed for travel statement credits, booking upcoming travel, or transferring to the Capital One airline partners. You also get up to $100 fee credit for Global Entry or TSA PreCheck (only applies to the primary cardholder). Capital One Spark Miles Select for BusinessCredit Score Needed: Excellent (700+) The Capital One Spark Miles Select for Business earns unlimited 1.5x miles per $1 spent. Your miles are redeemable for travel statement credits, booking upcoming travel, and airline loyalty program transfers. The signup bonus is 20,000 bonus miles ($200 in award travel) after spending $3,000 in the first 3 months. There is no annual fee or foreign transaction fee. Capital One Spark Cash for BusinessCredit Score Needed: Excellent (700+) For unlimited 2% cash rewards, the Capital One Spark Cash for Business is for you. This is the cash-version of the Spark Miles. Your rewards are redeemable for cash statement credits or a mailed paper check. Capital One Spark Cash Select for BusinessCredit Score Needed: Excellent (700+) The Capital One Spark Cash Select for Business earns 1.5% back on all purchases. Your rewards most valuable when redeemed as a cash statement credit or a mailed paper check. There is no annual fee or foreign transaction fee. New cardholders can earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening. Capital One Spark Classic for BusinessThe information for the Capital One Spark Classic for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer. Credit Score Needed: Good (600+) The basic Capital One Spark Classic for Business earns 1% cash rewards on all purchases. It has no annual fee or foreign transaction fee. This card is also the easiest of the Spark credit cards to qualify for. You will have the best approval odds if you have “good credit” or a 670+ credit score. But it’s possible to be approved (after manual review) with a score as low as 620. Ldyvett99 reports having a 620 credit score and receiving a $2,000 starting credit limit. The Capital One Spark Business cards approval odds for this option are easier than the previously listed cards. See If You Pre-QualifyIf you’re right on the cusp of having good credit or excellent credit, it can be worth your time to get credit card pre-approval for your desired Capital One Spark Business card. It’s free, takes less than a minute, and doesn’t hurt your credit score. Summary of the Capital One Spark Business Cards Approval OddsYou have the highest approval odds with a credit score above 740 for the Spark Cash, Spark Miles, and the “Select” editions of either card. A 670 credit score means you’re likely to get an instant approval decision for the Capital One Spark Classic. For any of these cards, you may still get approved with a lower credit score, but you may need to wait a few days to receive your approval decision. FAQs for the Capital One Spark Business Cards Approval OddsWhat credit score is needed for the Capital One Spark credit cards?Most applicants should apply once they have a personal credit score above 740 to qualify for these Capital One Spark credit cards:
The strongest candidates may still qualify with a credit score as low as 700. It’s recommended you apply for the Capital One Spark Classic for Business if your credit score is between 670 and 739. Once again, some applicants qualify with a score as low as 620. What are the minimum initial credit limits for the Capital One Spark credit cards?The minimum initial credit limit is $2,000 for the four Capital One Spark Miles and Cash card versions. For the Capital One Spark Classic, the initial credit limit is at least $500. What are the Capital One credit card application rules?You will need to have “excellent credit” or “good credit” to have the best Capital One Spark cards approval odds. In addition to a strong credit report, you will also need to pass these basic requirements:
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. What credit score is needed for a Capital One business credit card?If you're considering a Capital One business credit card, here's what you should keep in mind: Know your credit score: All but one option — the Capital One Spark Classic for Business — requires excellent credit to be approved, which usually means any FICO score of 740 or above.
Does Capital One run credit for preInstead of a hard inquiry, pre-approval at Capital One uses what's known as a “soft inquiry.” A soft inquiry involves a simple review of your credit, which doesn't affect your credit score. And it isn't reported to lenders.
How do you qualify for Capital One Spark?For the best chance of approval, you need to have at least fair credit, which typically means a FICO® Score of 580 or higher. This card is one of few business credit cards with such lenient credit requirements. That said, your credit score isn't the only variable Capital One considers.
What credit score do you need for spark?According to Capital One, the Capital One Spark Cash Plus Card is for consumers with an excellent credit score. This means you'll need a FICO score of 740 to 850, or a Vantage Score of 781 to 850, to qualify for the card.
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Capital one spark business credit card pre qualify
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