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- Reward Rates
- 1% Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 24.74% (Variable)
- Annual Fee
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 1% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
2.5 out of 5
Our take: The Spark Classic card doesn’t offer the lowest APR or juiciest rewards; but it does help cardholders with damaged credit build a better credit score, and earn a modest amount of cash back, so they can qualify for more generous cards over time.