Is Spark good for small businesses?

Yes, flat rewards, business tools, and employee cards make it practical, especially if you want simple bookkeeping and consistent rewards.

Do I need an EIN to apply?

Not necessarily. Sole proprietors often apply with an SSN . Use your EIN if you have one and keep records consistent.

If you want simplicity, pick cash back . If you redeem for travel and can use transfer partners, miles/points may yield higher value.

Issuers don’t publish exact cutoffs. A strong personal credit profile (on-time payments, low utilization, limited recent hard pulls) generally helps.

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