Spark 1% Classic

Credit Level: Fair
Build a strong foundation for your business while earning unlimited 1% cash back and no annual fee.
  • 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

    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

    29.99% 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

Rewards Calculator

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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). 

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Customer Reviews
  • 5 Star
    65%
  • 4 Star
    17%
  • 3 Star
    8%
  • 2 Star
    5%
  • 1 Star
    5%
4.3
based on 2028 reviews
85 %
of reviewers recommend Spark Classic
4.3
based on 2028 reviews
85 %
of reviewers recommend Spark Classic
  • 5 Star
    65%
  • 4 Star
    17%
  • 3 Star
    8%
  • 2 Star
    5%
  • 1 Star
    5%