Unlock tools and protections that support your business growth — from unlimited cash back to smart expense management features.
Luana Ribeiro · May 26, 2025 · 3 minutes
The Capital One® Spark® 1% Classic is more than a credit card — it’s a financial tool designed to help entrepreneurs with fair credit grow their business while earning valuable rewards.
Unlimited 1% Cash Back
Earn a flat 1% cash back on all purchases for your business.
There are no limits or category restrictions, making it easy to earn rewards on everything you spend.
5% Cash Back on Travel Earn 5% cash back when you book hotels and rental cars through Capital One Travel — helping you save more on essential business trips.
No Annual Fee Keep your overhead low with no annual fee, so more of your revenue can go back into building your business.
Business-Grade Expense Tools Stay organized and in control with digital tools that make managing employee spending and tracking expenses simple.
Virtual Card Numbers Make safer online payments without exposing your actual card number — a great feature for business purchases on the web.
$0 Fraud Liability You won’t be held responsible for unauthorized charges if your card is lost or stolen. Plus, Capital One provides emergency card replacement and cash advance services.
Year-End Summaries Receive detailed, itemized annual summaries of your spending — a helpful tool for budgeting and tax preparation.
Downloadable Purchase Records Export your business transactions to Quicken®, QuickBooks®, or Excel® for effortless financial management.
Account Manager Access You can assign account managers to help monitor transactions, make payments, and handle business-related account needs.
Automatic Payments Set up AutoPay to stay on top of your monthly payments and maintain a strong credit profile.
The Capital One® Spark® 1% Classic combines reliable rewards, essential protections, and smart tools — making it a dependable choice for small business owners focused on long-term growth.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.