Spark 1% Classic
This card is for business owners with fair credit who want a card for the business with no annual fee. Every purchase earns 1% cash back with no minimums or expiration, and there are no foreign transaction fees. The caveat: 1% is a low earn rate and the 28.99% Variable APR makes any carried balance costly, so it fits building a business credit history more than earning rewards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Cash rewards with no minimums or expiration date
- Complimentary access to Capital One Business Travel
- Annual fee: $0
- Regular purchase APR: 28.99% Variable
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Your credit is fair and you want a card in the business's name.
- You want rewards with no minimums or expiration.
- You pay in full each month, so the APR does not apply.
- You should skip it if your credit qualifies for Spark 1.5% Cash Select, which earns more with the same $0 fee.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
7 results: 7 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $150k and above | FL | Oct 2025 |
| Approved | 670 to 739 | Equifax | $150k and above | NC | Oct 2024 |
| Approved | 580 to 669 | Not sure | $150k and above | NY | Nov 2022 |
See all 7 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
