How the Capital One® Spark® 1% Classic Helped Rebuild My Business Credit

When I started my business, I didn’t have a strong credit history.
Getting approved for most business credit cards felt impossible — until I found the Capital One® Spark® 1% Classic.
It’s specifically designed for business owners like me who need to build or rebuild their credit while still earning rewards.

What stood out immediately was the 1% cash back on every purchase.
Even while building credit, I didn’t have to miss out on rewards — and every business expense helped me earn a little back.

There’s also no annual fee, which is a big deal when you're trying to control costs and grow responsibly.
Plus, I can get free employee cards to start organizing spending across my small team without extra charges.

Most importantly, this card reports to all three major business credit bureaus — so every on-time payment and responsible use has helped me grow my business credit profile steadily.

The Capital One® mobile app and online dashboard make it easy to track transactions, set up alerts, and manage payments — all essential tools for staying on top of things while rebuilding your financial foundation.

If you're a business owner trying to rebuild or establish credit, the Spark® 1% Classic is a no-brainer.
It gave me access when other cards said no — and I’ve been using it daily ever since.