Capital One Spark Classic
Fees
Earning Rates
- Earn an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Earn an unlimited 1% cash back on every purchase with no minimums or expiration date.
Main Benefits
- No foreign transaction fee.
Rewards Details
- Get cash back rewards for any amount at any time with no expiration date for the life of the account.
Our Take
Card Details
Spark Classic earning rate
The Spark Classic earns cash back at the following rates:
- 5% cash back on hotels and rental cars booked through Capital One Travel.
- 1% cash back on all other purchases for your business, everywhere, no limits or category restrictions.
Spark Classic benefits
Here are the main benefits of the Spark Classic Card:
- Travel & Purchase Coverage: Roadside Assistance and Extended Warranty.
Spark Classic fees
Annual Fee
The Spark Classic has no annual fee.
Authorized User Fee
There is no fee to add additional users to the Spark Classic.
Foreign Transaction Fee
The Spark Classic has a 0% foreign transaction fee. This allows you to earn cash back shopping outside of the United States with no penalty.
Spark Classic cash back calculator
Use the Spark Classic Calculator to estimate your total cash back and card value based on your spending and card benefits. Factor in expenses and subtract annual fees to see the full value of the Spark Classic Card.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
