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- Reward Rates
- 1% Earn 1% cash back on every purchase
- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 24.74% (Variable)
- Annual Fee
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
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.