Spark 1% Classic — Capital One is a business credit card from Capital One. The annual fee is No annual fee. The ongoing APR is 29.24% variable; this APR will vary with the market based on the Prime Rate. Approval typically requires a credit score of Fair credit (Capital One lists "Credit Level: Fair" for this card) or higher. Rewards: Unlimited 1% cash back on every purchase, everywhere, no limits or category restrictions. Typical credit limit: Minimum credit line $300 if approved. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing cycle; no interest on new purchases if the previous balance is paid in full by the due date each month; interest on cash advances and transfers from the transaction date; minimum payment is the balance if under $15, otherwise the greater of $15 or 1% of the balance plus new interest and late fees.