Spark® Classic from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
25.24%
Balance Transfer
25.24%
Rewards
1% cashback
Signup Bonus
-


7.3/10
Informr score
The Spark® Classic from Capital One® currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Spark® Classic from Capital One® is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

The Capital One® Spark® Classic for Business card is great for small business owners looking to start building their business credit while also earning 1% cash back on every purchase.

- Compare Cards
SmartAsset

A card that helps you free up your money as you use it. Thanks to the lack of an annual fee and a 1% cash back bonus on every purchase, this card is an excellent deal over time. You will also receive free cards for employees with your membership, and a $0 transaction fee on foreign purchases.

- Gabe Rueda, SmartAsset
CreditCards.com

The Spark Classic card doesn’t offer the lowest APR or juiciest rewards; but it does help cardholders with damaged credit build a better credit score, and earn a modest amount of cash back, so they can qualify for more generous cards over time.

- Kelly Dilworth, CreditCards.com
NextAdvisor

Capital One® Spark® Classic for Business is a good choice for those with an average credit history who want to build business credit and earn 1% cash back on all their purchases. It will especially appeal to users who will take advantage of the business-specific benefits like free employee cards and...

- NextAdvisor
CreditShout

It is true that Spark Classic for Business only offers a 1% cash-back rewards program and has high APRs. But it has sever positives. All-in-all, Spark Classic is a very good business rewards credit card for those with average credit.

- Clay Wyatt, CreditShout

Details


Interest Rates
Regular APR Interest Rate 25.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 25.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 31.65%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

Lost Luggage Reimbursement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

Unlimited 1% cash back on all spending, no annual fee

Compare Cards

The Capital One® Spark® Classic for Business card is great for small business owners looking to start building their business credit while also earning 1% cash back on every purchase.

Read full review

The Capital One® Spark® Classic for Business card is great for small business owners looking to start building their business credit while also earning 1% cash back on every purchase.

Read full review

Less

SmartAsset

For business owners with less than stellar credit

from SmartAsset

A card that helps you free up your money as you use it. Thanks to the lack of an annual fee and a 1% cash back bonus on every purchase, this card is an excellent deal over time. You will also receive free cards for employees with your membership, and a $0 transaction fee on foreign purchases.

Read full review

A card that helps you free up your money as you use it. Thanks to the lack of an annual fee and a 1% cash back bonus on every purchase, this card is an excellent deal over time. You will also receive free cards for employees with your membership, and a $0 transaction fee on foreign purchases.

Read full review

Less

CreditCards.com

A modest amount of cash back

from CreditCards.com

The Spark Classic card doesn’t offer the lowest APR or juiciest rewards; but it does help cardholders with damaged credit build a better credit score, and earn a modest amount of cash back, so they can qualify for more generous cards over time.

Read full review

The Spark Classic card doesn’t offer the lowest APR or juiciest rewards; but it does help cardholders with damaged credit build a better credit score, and earn a modest amount of cash back, so they can qualify for more generous cards over time.

Read full review

Less

NextAdvisor

Good choice for those with average credit who want to earn 1% cash back on all purchases

Capital One® Spark® Classic for Business is a good choice for those with an average credit history who want to build business credit and earn 1% cash back on all their purchases. It will especially appeal to users who will take advantage of the business-specific benefits like free employee cards and Year-End Summaries.

Read full review

Capital One® Spark® Classic for Business is a good choice for those with an average credit history who want to build business credit and earn 1% cash back on all their purchases. It will especially appeal to users who will take advantage of the business-specific benefits like free employee cards and Year-End Summaries.

Read full review

Less

CreditShout

A no frills business cash-back reward card

from CreditShout

It is true that Spark Classic for Business only offers a 1% cash-back rewards program and has high APRs. But it has sever positives. All-in-all, Spark Classic is a very good business rewards credit card for those with average credit.

Read full review

It is true that Spark Classic for Business only offers a 1% cash-back rewards program and has high APRs. But it has sever positives. All-in-all, Spark Classic is a very good business rewards credit card for those with average credit.

Read full review

Less

The Ascent

A solid card to consider

from The Ascent

Business owners with average and lower credit have limited card options, many of which skimp on perks and charge high rates. This offer brings more value with 1% cash back for all purchases and no annual fee.

Read full review

Business owners with average and lower credit have limited card options, many of which skimp on perks and charge high rates. This offer brings more value with 1% cash back for all purchases and no annual fee.

Read full review

Less

Finder

A cash back business card for those with fair credit

The Capital One Spark Classic for Business card helps you earn unlimited cash back while building credit and paying for your business. 

Read full review

The Capital One Spark Classic for Business card helps you earn unlimited cash back while building credit and paying for your business. 

Read full review

Less

Credit Card Insider

A good option if you want to build your business credit for no annual fee

from Credit Card Insider

It’s a simple card, but if you want to improve your business’s credit while earning a bit of cash back too, this card provides a way.

Read full review

It’s a simple card, but if you want to improve your business’s credit while earning a bit of cash back too, this card provides a way.

Read full review

Less

Bankrate

A perfectly fine card for any business owner

from Bankrate

We give this card low marks because it doesn’t offer many of the bells and whistles most business owners have come to expect from a credit card. Spark Classic can’t measure up to cards that offer premium rewards or stellar sign-up bonuses.

Read full review

We give this card low marks because it doesn’t offer many of the bells and whistles most business owners have come to expect from a credit card. Spark Classic can’t measure up to cards that offer premium rewards or stellar sign-up bonuses.

Read full review

Less

MagnifyMoney

A good card for small business owners with average credit

from MagnifyMoney

The Capital One® Spark® Classic for Business is best for small business owners with average credit who want to earn rewards with minimal additional fees. We recommend this card for business owners who travel abroad and plan on having multiple employee cards, as you will not be charged any fees. 

Read full review

The Capital One® Spark® Classic for Business is best for small business owners with average credit who want to earn rewards with minimal additional fees. We recommend this card for business owners who travel abroad and plan on having multiple employee cards, as you will not be charged any fees. 

Read full review

Less

User Reviews


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