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Spark Classic from Capital One
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Capital One Spark Classic Review

The Spark Classic is perfect for businesses wanting to improve credit scores, plus it comes with a lot of benefits and rewards that other credit-building cards don't offer.

    Jason Vissers
  • Last updated onUpdated

  • Chelsea Krause

    Chelsea Krause

    Lead Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Spark Classic from Capital One

Total Rating 2.9
Rewards & Perks1.6

Rates & Fees3.2


Eligibility Requirements4.2

Customer Service4.0

User Reviews3.7

Annual Fee


Minimum Recommended Credit


Rewards Rate

Unlimited 1% cash back

Spark Classic from Capital One At A Glance

  • Unlimited 1% cash back on all purchases
  • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • No annual fee

Jason Vissers

Jason Vissers

Senior Staff Writer at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine,, GoBankingRates,, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
Jason Vissers
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Credit Card Review Methodology

We spend hours researching and evaluating each credit card that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

When rating credit cards and credit card issuers, we use an 18-point rubric that looks at rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. We weigh each section differently to calculate the total star rating.

  • Rewards & Perks: 40% of the total star rating
  • Rates & Fees: 30% of the total star rating
  • Features: 15% of the total star rating
  • Eligibility Requirements: 5% of the total star rating
  • Customer Service: 5% of the total star rating
  • User Reviews: 5% of the total star rating

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like APR, introductory offers, cash back and travel rewards, credit score requirements and disclosures, foreign transaction fees, and the availability of employee cards.

Read more about how we rate business credit cards.

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