Spark Classic Business Visa Card Calculator

Card Details & Capital One Cash Back Calculator
1% All Purchases

Review the benefits of the Capital One Spark Classic Business Card, calculate how much cash back you can earn based on spend, and compare the results.

The Capital One Spark Classic Business Visa Card earns a flat rate of 1% cash back on all purchases. This card is specifcally for businesses in which the business or primary cardholder as bad to little credit. The Spark Classic Card is not a card you would normally apply for to earn any type of real rewards. If you have fair to excellent credit (business or personal), you'll want to consider the Spark Cash Business Card or Spark Cash Select Business Card.

Bonus Categories

The Spark Classic Card earns cash back does not feature any specific bonus categories. It earns an unlimited 1% cash back per $1 on all purchases made to the card.

  • 1.5% All Purchases

Perks & Benefits

The Spark Classic Card features the same useful benefits that are offered across all of the Spark Cash credit cards which include a mixture of Capital One and Visa Business benefits.

  • Capital One & Visa Business Benefits
    • Year-End Summaries
    • Purchase Records w/ Export To Quicken, Quickbooks, and Excel
    • Ability To Assign Account Managers
    • Extended Warranty
    • Purchase Protection
    • Card Lock
    • Rental Collision Coverage
    • Travel Assistance


Annual 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.

Credit Card
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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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