- 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.
- $0Annual Fee
A card with no annual fee, so you can focus on building for the future.
- FreeBusiness-Grade Benefits
Get access to business-grade features and benefits, including digital tools that help you manage your expenses and employee spending with ease. Learn More.
Purchase Rate
29.99% variable APR with your Spark 1% Classic cardCredit Building
Build and strengthen your credit by using this card responsibly.Invest in Yourself
Jumpstart your business journey while earning unlimited 1% cash back on every purchase, everywhere, with no limits or category restrictions
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.
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).
More Business Cards
Spark 1.5% Cash Select
Unlimited 1.5% cash back with no annual fee.
Spark 1.5X Miles Select
Unlimited 1.5X miles on every purchase with no annual fee.
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.