Pros & Cons
- No annual fee
- Unlimited 1% cash back
- Requires Fair credit
- High APR
- Not suitable for big spenders/higher credit
Features & Benefits
Security | Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, 24/7 customer service |
Travel Perks | Roadside Assistance |
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 29.74% (V) APR |
What Credit Score Is Required to Get the Spark Classic
Based on data we’ve collected from public forums, a credit score of 680 or higher is ideal. We have seen an approval with a score as low as 652, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/21/2022 | Experian | ||
Approved | 11/07/2017 | Experian | ||
Approved | 02/14/2020 | Equifax | ||
Approved | 02/14/2020 | TransUnion | ||
Approved | 02/14/2020 | Experian | ||
Approved | 03/07/2015 | Equifax | ||
Approved | 03/07/2105 | Equifax | ||
Approved | 03/07/2015 | TransUnion | ||
Approved | 12/21/2022 | TransUnion | ||
Approved | 12/21/2022 | Equifax |
What Are the Best Alternatives?

Capital One Spark Cash Select - 0% Intro APR for 12 Months
Rating
4.5
Rewards Range
1.5% to 5%
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$0

BankAmericard® Secured Credit Card
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4.5
Rewards Range
N/A
Annual Fee
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Revenued Business Card Visa® Commercial Card
Rating
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Rewards Range
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Annual Fee
$0