Capital OneSpark 1% ClassicRegistry illustration · issuer artwork unavailable
Spark 1% ClassicCapital One · N bank, CT · FDIC 4297
CurrentLast observed Oct 15, 2026Source date Oct 13, 2026Official issuerCredit card · Business
Balance transfer
—
Cash advance APR
—
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 29.24% variableCapital One, National Association · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “29.24%”Capital One, National Association · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | Annual fee: $0Capital One, National Association · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “Annual fee: $0”Capital One, National Association · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | Fair creditCapital One, National Association · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “Fair credit”Capital One, National Association · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR qualificationsPurchase · Regular | 29.24%Capital One, National Association · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “29.24%”Capital One, National Association · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |