Spark 1% Classic is built for small business owners who want a simple card with no annual fee and no category tracking. It works best as a basic spending card for businesses that value straightforward cash back more than higher ongoing rewards.
All information about Spark 1% Classic has been collected independently by MaxRewards. Spark 1% Classic is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
No-fee business spending
Occasional Capital One Travel bookings
Straightforward expense tracking
This card is worth a look if you want a business card with no annual fee and you care more about keeping things simple than maximizing rewards. A flat 1% back on purchases is easy to understand, and the 5% back on hotels and rental cars booked through Capital One Travel gives it a little extra value for businesses that book travel that way from time to time.
For most businesses, though, the long-term value is limited. A 1% base rate is modest for a general spending card, and there is no welcome bonus to help make up for that. If your business spends heavily or you want your everyday purchases to earn more, this is likely more of a starter option than a card to build around.
Spark 1% Classic fits business owners who want a no-fee card and uncomplicated cash back. Its main limitation is simple: 1% back on everyday spending is easy, but not especially rewarding.
Earning
The rewards setup here is very simple: 1% cash back on most purchases, with a higher 5% rate on hotels and rental cars booked through Capital One Travel. Think of it as a low-maintenance business card, not one built to maximize every dollar of spend.
Car Rental (capitalonetravel.com)
Hotel (capitalonetravel.com)
Everywhere
Benefits
Price match guarantee
If you book your trip through Capital One Business Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
29.24%
Variable
Transfer APR
29.24%
Variable
Cash Advance APR
29.24%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$39
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn up to $4,300 in travel value
Worth $4,300
When you spend $120,000 in your first 4 months as a cardholder
Annual Fee
$395
Rec. Credit
Excellent
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
