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Capital One SPARK BUSINESS

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Uncle_Money
Established Contributor

Capital One SPARK BUSINESS

I just received an invitation, in a nice looking package, from Capital One for the Spark Business card so they have my attention, at least temporarily!

 

Just wondering does anyone know what type of limit they usually offer on this card and is this a three bureau pull? I know Capital One is infamous for the three bureau pull.

 

Thanks,

 

Frank

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 1 of 12
11 REPLIES 11
sccredit
Valued Contributor

Re: Capital One SPARK BUSINESS

Definitely a 3 bureau pull.  As far as limit YMMV, I've seen people with $500 limits, I have $10k.  

Message 2 of 12
Anonymous
Not applicable

Re: Capital One SPARK BUSINESS

Not only is it a triple pull, it reports to personal credit.

Message 3 of 12
sccredit
Valued Contributor

Re: Capital One SPARK BUSINESS


@Anonymous wrote:

Not only is it a triple pull, it reports to personal credit.


This is 100% correct.  Not sure how I failed to mention that!  

Message 4 of 12
Creditaddict
Legendary Contributor

Re: Capital One SPARK BUSINESS

If this is the Spark Green Business Cash card and your scores are in the 780 range... you could see $20-$50k on approval.

 

Message 5 of 12
SouthJamaica
Mega Contributor

Re: Capital One SPARK BUSINESS


@Uncle_Money wrote:

I just received an invitation, in a nice looking package, from Capital One for the Spark Business card so they have my attention, at least temporarily!

 

Just wondering does anyone know what type of limit they usually offer on this card and is this a three bureau pull? I know Capital One is infamous for the three bureau pull.

 

Thanks,

 

Frank


1. I don't know what kind of limits they give out but in my case I was given a $15k starting limit, and my scores were significantly lower than yours.

2. Yes they will probably do a double or triple pull.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 6 of 12
Creditplz
Valued Contributor

Re: Capital One SPARK BUSINESS

I've gotten about 4 in the last 2 months for the Spark Green, $500 or $450 sign up bonus... I don't think it's worth the 3B pull when it reports to personal Smiley Sad! But it can vary I think the greens minimum is 5k limit but sometimes you have approvals with $15-25k
Message 7 of 12
kennerchick
Frequent Contributor

Re: Capital One SPARK BUSINESS

With pulling all 3 bureaus, how far does that drop your score???

 

Thanks

Starting all over again!
Message 8 of 12
Creditaddict
Legendary Contributor

Re: Capital One SPARK BUSINESS

Depends what your file looks like now and how many credit inquiries you already have it might not drop your score at all
Message 9 of 12
Anonymous
Not applicable

Re: Capital One SPARK BUSINESS


@kennerchick wrote:

With pulling all 3 bureaus, how far does that drop your score???

 

Thanks


Yes, they will pull all three reports and no one here can tell you how it will affect your scores.

Message 10 of 12
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