$0
Annual fee
See the card
Card reviewCapital One
Updated Sep 11, 2026 · research
Capital OneSpark Classic Cash Rewards
Spark 1% Classic
Build a strong foundation for your business while earning unlimited 1% cash back and no annual fee.
Entry LevelBusiness
Mastercard
Credit profile: fair$0
Annual fee
1% back every purchase
Top rate
None
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
every purchase
1%cash back
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 28.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
4 benefits
Purchase Protection
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
Spark 1% Classic for businesses with fair credit. Earn unlimited 1% cash back on every purchase, everywhere, with no limits or category restrictions and no annual fee. Purchase Rate 28.99% variable APR.
Ready to Decide?
Apply for the Spark 1% Classic
Current offer available with no annual fee.
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Rewards program
Spark Classic Cash Rewards
Earns Cash Back
Card Categories
BusinessCash backNo Annual FeeNo Foreign Transaction FeeCredit building
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 4 of 4 benefits rated high confidence
- 4 source citations across benefits
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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