| Introductory APR | No  |
| Introductory Bonus | No |
| Cash Back Rewards | Yes  |
| Annual Member Fee | No |
| Credit Required | Average |
Capital One Spark Classic Credit Card is a credit card that allows small business owners to get 1% cash back with every purchase. It offers a great way to build credit for small businesses, and it comes with no annual fee. We compiled Capital One Spark Classic user reviews from around the web and determined that it has generally positive ratings. We also discussed the rates and fees it offers.
Card Details | Rewards Details | Offer Details
Summary of User Reviews
Capital One Spark Classic Credit Card Pros
People who left a positive review of Capital One Spark Classic Credit Card said that they are happy with the unlimited cash back for purchases. They also like that there is no annual fee and no foreign transaction fee associated with using the card.
Capital One Spark Classic Credit Card Cons
People who left a negative review of Capital One Spark Classic Credit Card said that they are unhappy that there is a high APR that comes with this card. Some users wished that the credit line they’re is higher given the amount of their business’ expenses.
Most Helpful Positive User Review:
A positive review on Credit Karma on the Capital One Spark Classic Credit Card said that the card helped him build credit for his business.
Most Helpful Negative User Review:
A user who gave Capital One Spark Classic Credit Card a negative review on Credit Karma said that he is unsatisfied with the low credit line he was given because it isn’t enough for his business’ spending requirements.
Card Details: Capital One Spark Classic Credit Card
| Credit Required | Average |
| Introductory APR on Purchases | No |
| APR on Purchases After Introductory Period | 24.24% (Variable) |
| Introductory Balance Transfer APR | N/A |
| Introductory Balance Transfer Fee | N/A |
| Balance Transfer APR | 24.24% |
| Balance Transfer Fee | Info not available |
| Cash Advance APR | 24.24% |
| Cash Advance Fee | Either $10 or 3% of each cash advance, whichever is greater |
| Late Payment Fee | Up to $39 |
| Return Payment Fee | Info not available |
| Foreign Transaction Fee | $0 |
| Annual Member Fee | None |
Apply Now
on Capital One’s secure website.
Rewards Details: Capital One Spark Classic Credit Card
| Capital One Spark Classic Credit Card | |
|---|---|
| Earn 1% cash back | On every purchase |
| Get a custom, itemized report of your spending | To help simplify planning, budgeting, and tax time |
Offer Details: Capital One Spark Classic Credit Card
Earn 1% cash back on every purchase. Rewards points do not expire.
Get a custom, itemized report of your spending to help simplify planning, budgeting, and tax time. No annual fee and foreign transaction fee is required for using the card.
Features include $0 fraud liability in the event that your card is lost or stolen.
Apply Now
on Capital One’s secure website.
