SPARK CAPITAL FULL
SPARK CAPITAL PLUS

I donвЂ™t love that C1 does this, but they do. And itвЂ™s possible to apply for a Spark Cash and be offered/given a Spark Cash Select if they donвЂ™t feel your credit warrants the one you applied for. The Select DOES report to your personal credit. OK, letвЂ™s try and troubleshoot this a bit рџ™‚ДЇirst off, and perhaps the simplest explanation is this: You say вЂњSpark Cash Select.вЂќ That is not the same card as the old Spark Cash or the new Spark Cash Plus. Can you send me the screenshots of the account executive you spoke with? I would just like to see what they said.

Sucks cause I was quite excited to get this cardвЂ¦ hopefully things change. I told her about October, 22 2020 and she said unless itвЂ™s on the actual website that itвЂ™s not вЂњreal information.вЂќ Questions about when you applied for the business card: Did you enter your social security number or just your EIN? I saw your post and similar posts and got real excited when I found out they donвЂ™t report to personal credit anymore for business but apparently itвЂ™s not true? I asked if it was because I already had 2 personal credit cards with them / already had a personal account and she said no it wouldnвЂ™t matter if youвЂ™re a brand new customer or notвЂ¦ TheyвЂ™re still going to report the small business cards (all of them) to the personal credit bureaus. I called this morning and talked to an account executive who confirmed that they still report to your personal credit no matter what small business card you apply for. IвЂ™m currently considering applying for the Spark 2% Cash Small Business card.

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Spark Cash for Business (no longer available) ItвЂ™s great to see that Capital One is hearing that people do care about this distinction and is moving to be more in line with all other issuers (only Discover would be left reporting business cards to personal credit profiles).

SPARK CAPITAL FULL

ThatвЂ™s a benefit of having both Capital One Spark cards вЂ“ the ability to cash out at full value or convert to miles.

SPARK CAPITAL PLUS

You can earn the cash on your new Spark Cash Plus and you can convert those into miles online. You are allowed to have two of the same Spark card. ItвЂ™s unfortunate that existing Spark Cash cardholders (prior to October 2020) wonвЂ™t get the new benefit, but one possible strategy would be to open a new Spark Cash card now even if you already have one вЂ“ or a Spark Miles.

late payments, missed payments), it will still report to your personal credit profile. If your account is not in good standing (i.e.

This only applies to accounts in good standing.

All Capital One cards, including these, may pull all three credit bureaus when opening an account.

(I got a вЂњno commentвЂќ from Capital One on the question of when or if this will change.)

All Spark Miles cards, for now, will continue to report to your personal credit.

Existing Spark Cash cards will still continue to report your business line to a personal report.

Changes for the Spark Cash: WonвЂ™t Report to Personal CreditД®ffectively immediately, new Spark Cash Plus for Business cards will not report to your personal credit report, as originally learned by HelpMeBuildCredit and then confirmed to me personally by a Capital One spokesperson. After all, they arenвЂ™t personal expenses. If I use half of my credit line to pay for large business expenses, I donвЂ™t want my personal credit score to suffer as a result. Personally, I charge a lot on my business cards and always pay in full, but I donвЂ™t put much on my Spark card for this reason. You may pay it off each month (or not) but a business is likely to have relatively higher utilization than a person. This is a big negative, because businesses tend to charge a lot. The only exception historically has been those with high credit lines ($150,000+). Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up.

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