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Mastercard1/4 on file
Annual fee: issuer restricts access
Capital One · Mastercard

Spark 1% Classic

BusinessNo FX FeeRewards

The Spark 1% Classic is a Mastercard from Capital One. Capital One's site does not let us read its terms, so we leave the annual fee blank — check it on Capital One's own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: foreign transaction fee (Sep 2026), purchase APR (Sep 2026), earn rates (Sep 2026). Not yet checked with Capital One: credit requirement. Capital One’s own page is authoritative — confirm anything you rely on there before you apply.

Top earn rate1%on OtherChecked capitalone.com
Apply on Capital OneCompare this card
Opens Capital One’s site

Bank with branches in: New York (75), Louisiana (59), Maryland (41), Texas (20), Virginia (20), New Jersey (16), District of Columbia (5), Connecticut (1) and 1 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Spark 1% Classic, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
NoneChecked capitalone.com
Purchase APR
28.99%Checked capitalone.com
Income requirement
Not confirmed
Network
Mastercard
Credit needed
FairNot yet checked with Capital One
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Spark 1% Classic. That may mean there isn’t one, or simply that we have not recorded it — Capital One’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

Published category multipliers for the Spark 1% Classic.

CategoryEarn rateCap
Other1%No cap on file
Checked capitalone.com
Included

Perks & benefits

Card benefits

  • Automatic payments (AutoPay)
  • $0 fraud liability
  • Emergency card replacement and cash advance
  • Year-end summaries for budgeting and tax time
  • Assignable account managers
  • Downloadable purchase records (Quicken, QuickBooks, Excel)
  • Virtual card numbers for safer online payments
Next step

Ready to apply for the Spark 1% Classic?

You'll finish the application on Capital One's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Capital One’s site
Questions

Questions about the Spark 1% Classic

How much is the Spark 1% Classic annual fee?

We could not verify the Spark 1% Classic's annual fee, so we do not print one. Check the current annual fee on Capital One's own site before you apply.

What does the Spark 1% Classic earn?

The Spark 1% Classic earns 1% on other. The full table is on this page.

What network is the Spark 1% Classic on?

The Spark 1% Classic runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Spark 1% Classic available in United States?

Yes — the Spark 1% Classic is issued by Capital One and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Spark 1% Classic figures last checked?

We checked its foreign transaction fee in September 2026, its purchase APR in September 2026 and its earn rates in September 2026, each against a published document. Not yet checked with Capital One: credit requirement. Capital One's site restricts access, so we could not check: welcome offer. We could not verify, so we do not print: annual fee. Check them with Capital One. Terms can change without notice, so confirm the current details with Capital One before you apply.