Our illustration in the card’s colours, not its design
Capital One credit card
Spark Classic
- APR up · 28.99% to 29.24% · Oct 8, 2026
No annual fee. Purchase APR 29.24%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 Annual Fee”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“29.24% variable APR with your Spark 1% Classic card”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Fair
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $120 | $120 | |
| Typical spender | $300 | $300 | |
| Heavy spender | $660 | $660 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$120a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$300a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$660a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$310 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$300 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$300 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 1%
- Everything else
Cash back, as a share of each purchase.
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.
All 19 benefits
- 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
- Other
Changes
- Oct 8, 2026 APR 28.99% to 29.24%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “29.24% variable APR with your Spark 1% Classic card” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Fair (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · capitalone.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Sep 29, 2026
- What is the purchase APR?
- 29.24% APR · capitalone.com, since Oct 8, 2026
- What credit do you need?
- Fair · capitalone.com, since Oct 21, 2026