VisaCapital One Spark 1% Classic
The business credit builder that still pays you something back.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
580+
(Fair)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xAll purchases
- 5xHotels and rental cars via Capital One Travel
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Available to business owners with fair credit
- ✦Builds business credit history with responsible use
- ✦Free employee cards
- ✦No foreign transaction fees
Why it earns its spot
- +One of very few business cards open to fair credit
- +No annual fee while rebuilding
Where it costs you
- −1% cash back is the floor for rewards cards
- −APR above 30% punishes any carried balance
The Compound Verdict
The business version of a training card. Approval with a dented credit profile is the entire product, and the 1% back is a courtesy. Run small expenses through it, pay in full, and graduate to a Spark Cash card within a year or two.
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