Why is this for you
The Spark 1% Classic Capital One card is a good option for those looking to start building their credit history while earning rewards.
Additionally, your payment will be the greater of $15 or 1% of your balance plus any new interest, all without paying an annual fee.
Pros
- Annual Fee: enjoy a $0 annual fee
- Cash back: 1% unlimited
- Unlimited Rewards: on every purchase, everywhere, no limits or category restrictions
- Minimum payment: $15 or 1% of your balance plus new interest
- Automatic Payments: set up AutoPay and don’t worry about paying your bills on time
- Virtual Card Numbers: shop online with added security
- Account Managers: you can rely on an account manager to address any issues
- Roadside Assistance: take advantage of a service to assist you in auto-related emergencies
- Capital One Travel: get our best prices on thousands of trip options
Cons
- Purchase Rate: This card charges a 30.74% variable APR
You’ve just reviewed the pros and cons of the Spark 1% Classic Capital On card.
How about getting to know it in more detail and finding out how to apply? Tap the box below to find out.