Capital One Spark Classic

The Spark Classic is a credit-building card first and a rewards card a distant second: unlimited 1% cash back on every purchase, no annual fee, and no minimum to redeem. That makes it a reasonable way for a newer business or an owner with thinner credit to establish a business tradeline without paying for the privilege. The tradeoff is the 28.99% APR, which is high enough that carrying even a small balance will erase the 1% many times over, so treat it strictly as a pay-in-full card. You also get free employee cards with customizable spending limits, virtual card numbers, your choice of due date, and year-end spending summaries that export to QuickBooks. Once your credit profile supports it, step up to a card with a real earn rate and keep this one open for account age.