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Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

Capital One Spark Cash - Cap1 have lock down on CLI for Biz too?

[ Edited ]

Earn 2% cash back on every purchase, every day Free for 1 year then $59 AF

 

I see NO restrictions to the 2% and I have looked at this before but it reports to Personal Credit Reports!!

 

Do you all know of a=ANY other Business Card that could come close to the 2% if your purchases are going to be Online Ordering and shipping most liekly UPS.

I know about the 5% with Amex for FedEx, and Gold looks like 2% on Any shipping.

 

I spent over 30 minutes with online rep who eventually said I needed to call a number and gave me that and I spent about 15 minutes on hold for the lady to see if CLI were possible on business or if they were locked down besides credit steps... I got a couple staple lines of "reviews" etc. and then she said she couldn't give me more info without an offer... and I was like offer? like pre-approved? no just offer... anyway, her way to offer was what kind of credit i consider myself, the kind of rewards i want and how long i have had a credit card to get "My offer" of one of the Cash back cards of 2 (wow!) then back on hold to come back and say all acounts at capital one are .... I said you can stop right there, I got my answer.... I really do Hate them as a bank but they had to go out and offer this 2%!!

I hate playing the categories but I think I would benefit longer term with the amex and chase but 90% of purchases would be 1% and 10% would be 3 or 5% probably... I think 100% at 2% is going to come out triple+ hitting a couple categories and 1% for all else!!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
compassion101
Posts: 625
Registered: ‎06-06-2012
0

Re: Capital One Spark Cash - Cap1 have lock down on CLI for Biz too?

Yeah I'd have to agree that 2% accross the board seems the best. Besides fedex is generally alot more for shipping.

 

Do they allow you a bus card if you already have 2 personal cards with them?

 

Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

Re: Capital One Spark Cash - Cap1 have lock down on CLI for Biz too?


compassion101 wrote:

Yeah I'd have to agree that 2% accross the board seems the best. Besides fedex is generally alot more for shipping.

 

Do they allow you a bus card if you already have 2 personal cards with them?

 


Im pretty sure the business cards don't count to your max 2 cap1 cards.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:

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