Spark Classic
No annual fee. Purchase APR 28.99%, variable.
- Annual fee
- Issuer's pagecapitalone.com
“$0 Annual Fee”
- Purchase APR
- Issuer's pagecapitalone.com
“28.99% variable APR with your Spark 1% Classic card”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “28.99% variable APR with your Spark 1% Classic card” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
- No foreign transaction fees on purchases made outside of the United States.
- Roadside assistance services for auto-related emergencies such as jump-starting, tire changing, and towing.
- Free employee cards; rewards are earned from employee purchases.
- Customized spending limits can be set for employee cards.
- Automatic payments (AutoPay).
- $0 fraud liability; emergency replacement and cash advance may be available if the card is lost or stolen.
- Year-end spending summaries.
- Account manager access.
- Purchase records can be downloaded in Quicken, QuickBooks, and Excel formats.
- Virtual card numbers.
- Ability to choose a monthly due date.
- Transaction details and recurring-transaction information.
- Online and mobile app account access with alerts and payment options.
- Security, fraud, and card-lock alerts and controls.
- Customer support for business owners.
- Roadside
- Extended warranty
Questions
- What is the annual fee?
- $0 Annual Fee capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 29, 2026
- What is the purchase APR?
- 28.99% APR capitalone.com, since Sep 29, 2026
- What credit do you need?
- Fair capitalone.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$410 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$350 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$325 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).