Capital One Spark Classic

The Spark Classic is a no-annual-fee business card aimed at owners who are still building credit, and it pays an unlimited 1% cash back on every purchase with no minimum to redeem. That gives a newer business a way to separate expenses and start a credit history at no cost, with free employee cards that earn on the primary account. The catch is that 1% is a low rate, and the 28.99% APR makes carrying a balance expensive, so this is a card to pay in full each month. There is no signup bonus or intro APR. Extras like a choose-your-due-date option, virtual card numbers, extended warranty, and no foreign transaction fee are helpful, but plan to graduate to a higher-earning card once your credit allows.