Spark® Classic from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
26.99% (Variable)
Balance Transfer
26.99% (Variable)
1% cashback
Signup Bonus

Informr score
The Spark® Classic from Capital One® currently has an Informr score of 7.2 out of 10. This score is based on our evaluation of 16 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...

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. Capital One reports positive business card activity to more business credit bureaus than most other card issuers. So this and other Capital One business cards are goo...

- Brendan Harkness, Credit Card Insider

The Capital One Spark Classic offers the opportunity for businesses with limited or fair credit to acquire a revolving credit line for their enterprise. In doing so, it even throws in some cash-back rewards on every purchase and doesn’t charge an annual fee.

- Ben Luthi, Investopedia
Hustler MoneyBlog

If you just aren’t getting approved for other business credit cards because you’re credit score is a little low, try the Capital One® Spark® Classic for Business credit card! You’ll get a simple credit card with unlimited 1% cash back and no annual fee! The Spark Classic for Business is here to help...

- Anthony Nguyen, Hustler MoneyBlog

A business credit card option to consider if you have average credit and want to work on improving it. At the same time, you get rewarded in the form of cash back on purchases. Obviously, you'd want to consider another business credit card if you have good to excellent credit. Overall, this card is...

- Rebecca Lake, MyBankTracker

The Capital One Spark Classic for Business offers the perks, protections, and tools to help your small business thrive. If you’re looking for a business credit card with rewards and that helps you build your credit, Capital One’s Spark Classic could be a smart choice.

- Kevin Payne, FinanceBuzz


Interest Rates
Regular APR Interest Rate 26.99% (Variable)

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

Balance Transfer Interest Rate 26.99% (Variable)

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

Cash Advance Interest Rate 26.99% (Variable)

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


Sign up bonus No
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
Virtual Cards Yes
Additional Benefits

Lost Luggage Reimbursement

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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