Spark Classic
Credits 0
This card has no statement credits that expire.
Also included
- No foreign transaction fees
- Free employee cards
- Extended warranty and roadside assistance
Before you apply
Capital One’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Capital One tends to approve one new Capital One card, personal or business, every 6 months. Capital One has no published 2/24 rule; this is the closest consistent pattern. Applying sooner often ends in a denial for too many recent Capital One accounts. Recent cards at other banks can also hurt your odds.
Capital One used to cap people at 2 of its own personal cards. Many people now have more. A third personal Capital One card may be declined.
Never miss one of these credits
Add the Spark 1% Classic to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.