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Spark® 1% Classic from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.99% (Variable)
Interest Rate: Purchases
18.99% (Variable)
Balance Transfer
18.99% (Variable)
Balance Transfer
18.99% (Variable)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Spark® 1% Classic from Capital One® currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 19 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® 1% 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...

Fit Small Business
Fit Small Business

The Capital One® Spark® Classic for Business is best for business owners who need a card that will help them build both personal and business credit without having to make a security deposit.

- Benilyn Formoso - Suralta, Fit Small Business

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 Business Card lets business owners with imperfect credit or limited credit history earn rewards with no annual fee. Consider this card if you want the chance to build credit while earning 1% cash back on business purchases.

- Holly Johnson, NextAdvisor

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
Credit Card Insider
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


Interest Rates
Regular APR Interest Rate 18.99% (Variable)

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

Balance Transfer Interest Rate 18.99% (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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