Highest Capital One Spark limit ??

[youngman1234]

Just wondering what the highest limit anyone has with this card ?? Also please share some of ur history.

~ thanks

[stengiz]

opened in April 13 it is at 2500, started with 1500,they raised it within  2 months,nothing since

[sccredit]

Mine is at $12,500.  720s FICO, AAoA 5.1 Years, 1% Utilization

[youngman1234]

I hoping to apply next year...

[sccredit]

IMO there are better business credit options than the Spark card.  I'm switching to Chase as my primary business card, Citi is also a good option.  AMEX is also good.  None of those wil report to your personal credit report like Cap One does.  

[myjourney]

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@sccredit wrote:

IMO there are better business credit options than the Spark card.  I'm switching to Chase as my primary business card, Citi is also a good option.  AMEX is also good.  None of those wil report to your personal credit report like Cap One does.  

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Citi rewards are bad IMHO tho

[youngman1234]

I have Amex business card & citi... I can't get and don't want any chase products.

I just want the spark card for the 2% cash back...

[sccredit]

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@youngman1234 wrote:
I have Amex business card & citi... I can't get and don't want any chase products.

I just want the spark card for the 2% cash back...

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The 2% back is nice, personal reporting not so much. I try to keep all business activity off of my credit report.  I only kep the Cap One card for 3 years because they were not reporting.  It showed up on my report about 2 months ago.  Luckily I had paid it before the statement cut so it only reported a balance of like $150. Also keep in mind the triple pull from Cap One. 

I can't comment on the Citi rewards because I don't have a Citi Biz card.

[youngman1234]

I will just carefully use it, and PIF before the statements cut so it will always report 0. There comes a certain time of every year where cash flow is good and I can just keep pushing payments... Plus 2% can add up but I just wish I got like a 30k limit...lol

[youngman1234]

And to think I just closed my starter capital one $750 limit card less than a year ago...lol