Spark 1% Classic

Credit Level: Fair
Build credit while earning unlimited 1% cash back on every purchase with no minimums.
  • 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.

  • 30.74%
    Purchase Rate

    30.74% 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
Monthly Spending
Your business could earn:
cash back annually


Application Requirements

What you should know before you apply


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


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


Gather your legal business name, address and business tax ID number (TIN). 

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