Business Card

Spark 1% Classic

Credit Level: Fair
Build credit while earning unlimited 1% cash back on every purchase with no minimums.
Rates & FeesRates & Fees Information
Apply Now
Apply Now

  • 1%
    Unlimited Rewards

    Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

  • $0
    Annual Fee

    Enjoy a $0 annual fee while you build your credit and earn rewards.

  • 30.49%
    Purchase Rate

    30.49% variable APR with your Spark 1% Classic card.

  • Credit Building

    Build and strengthen your credit by using this card responsibly.

  • Minimum Payment

    Your payment will be the greater of $15 or 1% of your balance plus new interest, late payment fees, and any past due amount.

  • Rewards Your Way

    Get cash back rewards for any amount at any time with no expiration date for the life of the account.

Rewards Calculator

Slide to your monthly spend to see how much you could earn 1
See how much your business can earn 1
See how much you could earn based on your monthly spending 1
$0
$0$50,000
Monthly Spending
=
Your business could earn:
cash back annually

BENEFITS OF SPARK 1% CLASSIC 2

Automatic Payments

Set up AutoPay so you don’t have to worry about signing into your account every month. 

$0 Fraud Liability

If your card is lost or stolen, you can get an emergency replacement and a cash advance.

Year-End Summaries

Get an itemized report of your spending to simplify budgeting and tax time.

Account Managers

Assign an account manager to make purchases and payments, review transactions and resolve any problems.

Purchase Records

Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.

Virtual Card Numbers

Make safer payments online without exposing your actual card number with merchants.

View all business benefits

Application Requirements

What you should know before you apply

10 MINUTE APPLICATION

It takes about 10 minutes to apply and you'll get a decision in seconds.

BUSINESS OWNER INFORMATION

You'll need to know legal names, addresses and SSNs for all business owners.

BUSINESS INFORMATION

Gather your legal business name, address and business tax ID number (TIN). 
Apply for Spark 1% Classic

More Business Cards

Spark 1.5% Cash Select product image

Spark 1.5% Cash Select

Unlimited 1.5% cash back with no annual fee for excellent credit.
Spark 1.5X Miles Select product image

Spark 1.5X Miles Select

Unlimited 1.5X miles on every purchase with no annual fee.
View all business cards
1

The actual amount of cash back you earn will depend on your purchase activity.

2

Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions. Please refer to your Guide to Benefits for further details.