Best business credit card for bad credit 2021

Capital One Spark Classic for Business

Best for businesses that want to rebuild credit


APR: 26.99% variable

Recommended credit: Fair

For this Mastercard, Capital One keeps its rewards structure very simple, making it easy for you to earn. There is unlimited 1% cash back on every purchase everywhere. Even better, there are no required category restrictions, minimums, limits, or expiration dates, giving you incredible freedom when it comes to your company’s spending. To help you understand potential earnings, there is a convenient, user-friendly rewards calculator on the site to help you see potential earnings. For example, if you spend $24,975 each month, you could earn $2,997 in cash back for your business each year. It’s an easy, quick way to earn money on the purchases you are already making each day. There are also year-end spending reports to help you better understand your pricing, plus easy integrations with popular accounting software like Microsoft Excel, Quicken, and QuickBooks.

Security features are great, offering virtual card numbers for online payments, plus zero fraud liability for greater peace of mind. There is no annual fee, but a minimum payment does apply each month for your account, amounting to either $15 or 1% of your balance plus new interest, late payment fees, and past due amount. To get started, you can apply online for what Capital One promises is a quick ten-minute application process.

Pros & Cons



  • Unlimited cash back

  • No annual fee

  • No foreign transaction fee

  • No annual bonuses

  • No introductory APR

  • High APR

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