Calculate cash back based on monthly/yearly spend for the Capital One Spark Classic Business Visa and compare the results against top rewards cards.
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The Capital One Spark Classic Business Visa earns 1% cash back per $1 spent on all purchases and is a terrible choice for anyone looking to accumulate cash back. There are a handful of better cards including the Spark Cash Select Business Visa which is a step up from this card and earns 1.5% cash back. I would avoid the Spark Classic if you're really looking to earn rewards.
The Capital One Spark Classic Business Visa Card earns cash back at a flat rate and does not feature any specific bonus categories. There is no limit to the amount of cash back you can earn spending on this card.
The Business Visa Spark Classic offers quarterly and year-end summaries. It also comes with Visa Business Benefits which comes with auto rental collision damage waiver, purchase security and extended protection, travel and emergency assistance services and more. Their Visa Guide To Benefits lists all the specific details.
Credit Card Fees
Authorized User Fee
Foreign Transaction Fee
The Spark Classic Business Visa does not have an annual fee.
Authorized User Fee
There is no authorized user fee for adding additional users to the Spark Classic Business Visa.
Foreign Transaction Fee
There is no foreign transaction fee for using the Spark Classic Business Visa outside of the United States.
and Card Value Calculator
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Select A Card
The majority of the cards in the database are for U.S.-based citizens, but there are a few cards that are not. You can select whether to show or hide cards by country/region.
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
The value of these reward points cannot be changed. These rewards are locked to this value.
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Enter how much you value any unmentioned perks this card offers.
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Some programs change you to transfer points from one program to another. These are those fees if applicable.
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
The percent you are earning per dollar spent on this card.
Apply for the card now through their secured website.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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