1% Unlimited Rewards
Earn unlimited cash rewards on every purchase with no minimums or expiration date.
$0 Annual Fee
A card with no annual fee, so you can focus on building for the future.
Free Business-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
28.99% variable APR with your Spark 1% Classic card
Credit 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).
Frequently asked questions
1. What information is required to apply for a Spark Classic credit card?
To apply for the Spark Classic credit card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish creditworthiness. Your application may be declined if you have a freeze with credit bureaus.
Personal information includes:
- Full legal name
- Personal contact information
- Social Security number
- Monthly rent or mortgage payment
Business information includes:
- Tax ID or Employer ID number (SSN for sole proprietorship)
- Annual revenue
- Monthly business spend
- Names and information of other Beneficial Owners or Controllers
2. How do I redeem the cash back I’ve earned using my Spark Classic credit card?
Redeeming the cash you earn with your Spark Classic card is easy. Sign in to your Capital One Business account and navigate to the View rewards section. You’ll see different ways you can redeem your cash back, such as through a statement credit or check.
3. What credit score is needed to be approved for the Spark Classic credit card?
Spark Classic credit card holders typically have a fair personal credit score, but there are multiple factors that are considered for approval. You can see if you’re pre-approved for this card and others with no impact to your personal credit score.
4. Are the cash rewards I earn with my Spark Classic credit card taxable?
The cash rewards you earn through spending on your Spark Classic card are not taxable. However, we recommend you consult your tax expert if you have additional questions.
More Business Cards
Spark 1.5% Cash Select
Unlimited 1.5% cash back with no annual fee.
VentureOne Business
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.