Business Card

Spark 1% Classic

Credit Level: Fair
Build a strong foundation for your business while earning unlimited 1% cash back and no annual fee.
Rates & FeesRates & Fees Information
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  • 1%
    Unlimited Rewards

    Earn unlimited cash rewards on every purchase with no minimums or expiration date.

  • $0
    Annual Fee

    A card with no annual fee, so you can focus on building for the future.

  • Free
    Business-Grade Benefits

    Get access to business-grade features and benefits, including digital tools that help you manage your expenses and employee spending with ease. Learn More.

  • Purchase Rate

    28.99% variable APR with your Spark 1% Classic card

  • Credit Building

    Build and strengthen your credit by using this card responsibly.

  • Invest in Yourself

    Jumpstart your business journey while earning unlimited 1% cash back on every purchase, everywhere, with no limits or category restrictions

Rewards Calculator

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Customer Reviews
  • 5 Star
    65%
  • 4 Star
    17%
  • 3 Star
    9%
  • 2 Star
    5%
  • 1 Star
    5%
4.3
based on 2096 reviews
84 %
of reviewers recommend Spark Classic
4.3
based on 2096 reviews
84 %
of reviewers recommend Spark Classic
  • 5 Star
    65%
  • 4 Star
    17%
  • 3 Star
    9%
  • 2 Star
    5%
  • 1 Star
    5%
  1. 1

    The actual amount of cash back you earn will depend on your purchase activity.

  2. 2

    Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered card to secure transactions. Please refer to your Guide to Benefits for further details.