Credit and Habit

Capital OneBusiness card

Capital One Spark 1% Classic

$0 annual fee 1% cash back

AT A GLANCE

Credit card overview

Card categories

  • Cash back
  • Business
  • No-Annual-Fee

What you get

Rewards and benefits

How it earns

Jumpstart your business journey while earning unlimited 1% cash back on every purchase, everywhere, with no limits or category restrictions Build a strong foundation for your business while earning unlimited 1% cash back and no annual fee.

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileFair Credit

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Annual fee and first-year pricing
A card with no annual fee, so you can focus on building for the future.
Purchase APR
29.24% variable APR with your Spark 1% Classic card
Foreign transaction fee
Pay zero foreign transaction fees on purchases made outside of the United States.
Redemption options and restrictions
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.
Other conditions
$0 annual fee 1% cash back

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Capital One Spark 1% Classic

  1. Confirm business eligibility, employee-card fees and any personal-guarantee requirements.
  2. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

Keep comparing

Similar cards

Blue Business Cash™ Card — issuer card design
American ExpressBusiness

Blue Business Cash™ Card

Advertised credit profile: Good to excellent credit

Why it stands outCash back earned with the American Express Blue Business Cash™ Card is automatically credited to your statement in the form of a statement credit, which is issued monthly. Card…

Rewards focus: Business

Welcome offer

As high as $500 statement creditafter spending $5,000 on your new Card in the first 3 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$0
View details →Apply on issuer site
Blue Business® Plus Credit Card — issuer card design
American ExpressBusiness

Blue Business® Plus Credit Card

Advertised credit profile: Good to excellent credit

Why it stands outPoints add up fast. Earn 2X points on the first $50,000 in eligible purchases per calendar year and 1X points thereafter, with no category restrictions and no annual fee.…

Rewards focus: Business

Welcome offer

As high as 50,000 Membership Rewards pointsafter spending $5,000 on your new Card in the first 3 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$0
View details →Apply on issuer site
Blue Cash Everyday® Card from American Express — issuer card design
American ExpressPersonal

Blue Cash Everyday® Card from American Express

Advertised credit profile: Good to excellent credit

Why it stands outCard Members can earn 1% cash back on other eligible purchases. Card Members can earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Card…

Rewards focus: Cash back

Welcome offer

As high as $200 Cash Backafter spending $2,000 on your new Card in the first 6 months. Apply to find your offer; welcome offers vary and you may not be eligible.

Annual fee$0
View details →Apply on issuer site