Spark 1% Classic: build business credit and earn cash back on every purchase

Earn unlimited 1% cash back, pay no annual fee and build your business credit with the card

Spark 1% classic capital one

The Spark 1% Classic card gives you the tools to manage your business efficiently while earning cash back on every purchase. From supplies and travel to client expenses, you’ll get 1% back everywhere, helping you reinvest in your business growth.

With no annual fee and $0 fraud liability, it’s a low interest credit card that supports your success while keeping your finances protected.

Is Capital One a good bank?

Capital One is one of the largest financial institutions in the U.S., with a reputation for innovation and trust. As a Fortune 500 company, Capital One offers robust banking tools, exceptional customer service, and secure technology.

By choosing the Spark 1% Classic, you’re backed by a leading U.S. bank that helps businesses build credit while earning rewards a reliable partner for your company’s financial future.

How this credit card works

The Spark 1% Classic from Capital One is a Mastercard® accepted worldwide, giving you purchasing power wherever you do business. You’ll earn unlimited 1% cash back on all purchases and 5% back on travel through Capital One Business Travel.

Use the card responsibly to strengthen your business credit and access higher limits over time. This combination of flexibility and rewards makes it one of the top credit cards with cashback for business owners.

Requirements to apply for a business credit card

  • Must be at least 18 years old.
  • Must own a registered business in the U.S.
  • Must provide a valid business Tax ID (TIN).
  • Must have a verifiable U.S. address.
  • Must have fair or better credit for approval.
  • Subject to Capital One’s credit policies and verification.

Fees for the Spark 1% Classic from Capital One

  • Annual Fee: $0
  • Purchase APR: 29.49% variable.
  • Balance Transfer APR: 29.49% variable (if applicable).
  • Late Payment Fee: Up to $40.
  • Foreign Transaction Fee: None.
  • Cash Advance Fee: 3% (minimum $10).

Apply for your credit card online

  1. Go to CapitalOne.com/Business.
  2. Click Apply Now or check if you’re pre-approved.
  3. Fill out your business and personal details accurately.
  4. Submit your application you’ll get a decision in seconds.
  5. If approved, start using your card to earn cash back rewards immediately.

Get approved today!

If you’re a small business owner ready to build credit and earn rewards, the Spark 1% Classic from Capital One is your perfect financial partner. With quick credit card approval, no annual fee, and unlimited 1% cash back, it’s a smart way to grow your business responsibly.

Apply now and start earning cash back on every purchase with this credit card to start building credit for your business success.

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