The Spark 1% Classic card helps you invest in your business future. Every purchase earns you unlimited 1% cash back, with added 5% rewards on hotels and rental cars through Capital One Business Travel.
With no annual fee and built-in business-grade benefits, it’s the perfect tool for small business growth.
Is Capital One a good bank for businesses?
Absolutely. Capital One is one of the most trusted financial institutions in the U.S., with more than $370 billion in assets. It’s a Fortune 500 company known for innovation, digital banking, and reliable credit solutions.
Capital One’s focus on business customers includes advanced tools for expense tracking, employee management, and secure online transactions—making it a top-tier partner for entrepreneurs.
How this card works
The Spark 1% Classic Mastercard lets you earn 1% cash back on every purchase, everywhere, with no limits or categories. Plus, you’ll earn 5% cash back on hotels and rental cars through Capital One Business Travel.
Rewards can be redeemed anytime for statement credits or cash, and the account helps establish your business credit—a great feature for small businesses seeking discover credit card it flexibility.
Requirements to apply for the discover credit card it
- Must be a U.S. business owner (LLC, sole proprietorship, or corporation)
- Have a valid Tax ID Number (TIN)
- Provide SSNs for all business owners
- Have fair or better credit (recommended score: 580+)
- Provide legal business name, address, and annual revenue estimate
Fees for the Spark 1% Classic Capital One card
- Annual fee: $0
- Purchase APR: 29.49% variable
- Balance transfer fee: varies per transaction
- Late payment fee: up to $40
- Foreign transaction fees: None
Apply for your card online
- Visit CapitalOne.com/Business
- Click “Apply for Spark 1% Classic”
- Fill out your business information and submit your application
- Receive an instant decision and start managing your card digitally
Get approved today!
Build your credit, earn rewards, and take full control of your business finances. Apply today to start using a reliable Capital One business card designed to grow with you.
With 1% unlimited cash back, no annual fee, and trusted Capital One security, the Spark 1% Classic is the smart way to move your business forward.