Last Updated: 05/14/2026
SuperMoney User Recommendation Score -8
Mostly not recommended12 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 750
Number of Reviews
Spark 1% Classic Review
This is a cashback card issued by Capital One. If you're wondering whether Spark 1% Classic is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 26.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Capital One Spark Classic business
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% .
It also has a variable cash advance APR of 26.99%. Note that late payments are subject to an APR of 29.4% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 26.99% |
| Balance Transfer APR | 26.99% |
| Cash Advance APR | 26.99% |
| Penalty APR | 29.4% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Late Payment Fee | up to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Capital One Spark Classic business
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Business Credit Cards from Capital One
Purchase APR
17.24% - 23.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Annual Fee
$0
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Purchase APR
Starting at 24.49%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 24.49%
Disclaimer popup with additional information
Annual Fee
$95
Credit Score Range
700 - 850
300
850
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99%
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$150
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
Rating not yet determined
Purchase APR
16.74% - 22.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74% - 22.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
Starting at 750
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Annual Fee
$395
Disclaimer popup with additional information
Credit Score Range
780 - 850
300
850
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -8, or 2.8 on a 5-point rating scale.
-8
-1000+100
No one recommends
Everyone recommends
Spark 1% Classic Community Reviews
Would you recommend Spark 1% Classic to your friends?
LW
Lilac W.
Jul 13, 2023
May or may not recommend
Overall, the Capital One Spark 1% Classic card is not a very good option for business owners. The high interest rate, lack of sign-up bonus, and no bonus categories make it a poor choice for earning rewards. I would recommend looking for a different business credit card if you are looking for a card with better rewards and lower fees.
Here are some specific feedback that I would give to Capital ...Show More
Ridwan H.
Oct 9, 2020
May or may not recommend
I would not recommend any of their product. Sincerely, they are after their profit. Where other institutions give waivers they don't. My Business is safe without their collaboration, so understand the opposite of the above statement. A word is enough for those with wisdom.
Business thrive when you collaborate with better partner who has your interest as theirs.
Thanks.
Orlando J.
Sep 18, 2020
May or may not recommend
I would recommend this card, solely for the cash back incentives. As a small retail business owner, I need all the assistance I can get. Over the course of a year, all the small purchases of my mailing materials really added up (around $700) and I was able to purchase a new laptop and printer with the rewards alone.
Word of advice, be sure that you have a bit of ...Show More
Mary M.
Nov 24, 2018
May or may not recommend
Great credit card to have in your wallet. Awesome card.
Jason G.
Dec 31, 2015
May or may not recommend
If you are self employed or own your own small business, it is wise to attempt to establish separate credit for your business as soon as possible.
U
Anonymous
Aug 2, 2015
May or may not recommend
Many small business owners can't get business credit cards because of blemishes on their PERSONAL credit. Crazy, right? This card makes allowances for a few bumps. Plus it's one the few business cards with NO annual fee, definitely a big plus.
U
Anonymous
Apr 30, 2015
May or may not recommend
Limit was a little lower than I'd hoped for when I started, but they raised my limit within three months, as they indicated in the fineprint when I applied. Now 9 months later, my limit is sufficient for my business needs. I'm a hairdresser and rent at a salon, so I just needed something for supplies and wanted it as a separate card from my personal. It's working out well.
U
Anonymous
Apr 30, 2015
May or may not recommend
I travel overseas a lot for business, so I needed a card that was not going to charge transaction fees, and I also wanted a card that was going to give me cash back for whatever I spent. I found both in this card. It has no transaction fee, no annual fee and you get one percent back on whatever you buy. Nice little package.
U
Anonymous
Apr 30, 2015
May or may not recommend
If you buy a lot of mechandise and whatnot for your business, it only make sense to get a card that gives you cash back. This one is perfect for those purposes. You get one percent back for all purchases. So if you're spending a lot, that one percent adds up. You also don't have to pay out anything you've earned on an annual fee, because there is none.
U
Anonymous
Apr 30, 2015
May or may not recommend
I have a business and was tired of putting my expenses through my perosnal credit card. I already have a personal credit card with Capital One, so I figured it made sense to also get their business card. The CL they gave me is half of my personal one, which kind of surprised me, but I'm happy with the card. It's a pretty straight forward card without any annual fee, ...Show More
Audrey H.
Jun 27, 2014
May or may not recommend
If you are self employed or own your own small business, it is wise to attempt to establish separate credit for your business as soon as possible. One way to do this is with a business credit card such as the CapitalOne Spark Classic Credit Card. This card has a lot going for it: $0 annual fee, 1 percent cash back on purchases, 90-day purchase protection for purchases and ...Show More
Eve S.
Mar 13, 2014
May or may not recommend
I had 2 other active Capital One cards before I applied for the business card, I am a therapist starting my own business. I was instantly approved but for only 500, my other two limits are both 1500....supposedly they will raise the limit on the business card after the 3rd billing cycle pending no late or overlimit. Capital One is a conservative lender, many complain about low limits and no ...Show More
Showing 12 of 12 reviews
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