Spark 1% Classic
Published pricing, rewards, guarantee structure, and account controls without treating the welcome bonus as the entire product.
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Card at a Glance
Evidence and open questions · 7 supported · 6 open
Expanded review on October 1, 2026: Annual fee, Purchase APR, Rewards, Foreign transaction fee, Employee cards, Credit guidance, Credit check. Other fields retain explicit unresolved status. This is not a blanket certification of the product.
28.99% variable.
Rate is specific to the retrieved offer; variable rates and offers can change.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1Employee cards are offered without an additional card fee; spending limits can be set.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1Preapproval can be checked without personal-score impact; that does not establish a soft-only final application.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1Issuer describes a typical Fair credit profile; no numeric approval floor is established.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1This review did not establish this term from the retrieved material. Check the exact product agreement.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Liability, Credit and Controls
Credit reporting: Not verified in this review; confirm the exact offer.
Spend controls: Not verified in this review; confirm the exact offer.
Expense management: Not verified in this review; confirm the exact offer.
Earlier source ledger
These dated records preserve earlier research. They may describe past offers; use the claim evidence above and your current account agreement.
Capital One currently lists Spark 1% Classic with $0 annual fee, unlimited 1% cash back, 5% on eligible Capital One Business Travel bookings, 28.99% variable APR and fair-credit positioning.