Capital One · Mastercard · business
Capital One Spark Classic (Spark 1% Classic)
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1% | uncapped |
Non-cash perks
- Fair credit tier — designed for building/rebuilding business credit
- Free employee cards and virtual cards
- Roadside assistance
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Capital One
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.