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Capital One Spark Classic

Card Value & Cash Back Calculator
card
Fees
Earning Rates
  • Earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Earn an unlimited 1% cash back on every purchase with no minimums or expiration date.
Main Benefits
  • No foreign transaction fee.
Rewards Details
  • Get cash back rewards for any amount at any time with no expiration date for the life of the account.
Our Take
The Capital One Spark Classic for Business is a no-annual fee 1% cash back card that is best for small business owners that have limited credit. The card has no foreign transaction fee which is great if your business deals with foreign purchases or international travel.

Spark Classic earning rate

The Spark Classic earns cash back at the following rates:

  • 5% cash back on hotels and rental cars booked through Capital One Travel.
  • 1% cash back on all other purchases for your business, everywhere, no limits or category restrictions.

Spark Classic benefits

Here are the main benefits of the Spark Classic Card:

  • Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.

Spark Classic fees

Annual Fee

The Spark Classic has no annual fee.

Authorized User Fee

There is no fee to add additional users to the Spark Classic.

Foreign Transaction Fee

The Spark Classic has a 0% foreign transaction fee. This allows you to earn cash back shopping outside of the United States with no penalty.

Spark Classic cash back calculator

Use the Spark Classic Calculator to estimate your total cash back and card value based on your spending and card benefits. Factor in expenses and subtract annual fees to see the full value of the Spark Classic Card.

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