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Capital One Spark Business and Personal Credit

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Anonymous
Not applicable

Capital One Spark Business and Personal Credit

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?

Message 1 of 8
7 REPLIES 7
woodyman100
Valued Contributor

Re: Capital One Spark Business and Personal Credit


wrote:

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?


It does report to personal. Sometimes it takes 2 or 3 cycles, but it’ll show

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill
Message 2 of 8
Anonymous
Not applicable

Re: Capital One Spark Business and Personal Credit

Thank you!

Message 3 of 8
Anonymous
Not applicable

Re: Capital One Spark Business and Personal Credit

Yes, it does report to personal. Just find your statement closing date and PIF before it closes. Great card, the unlimited 2% cash back is hard to beat. 

Message 4 of 8
SouthJamaica
Mega Contributor

Re: Capital One Spark Business and Personal Credit


wrote:

I read different articles about CapOne reporting business cards under personal which is what I want. Today I got one reply on this forum that it doesn't. Is it true?

I had this card for about a month and no activity on my personal. 

Does anyone has Spark Business? When did you start seeing it on your personal report?


Yes it reports to personal.

 

 


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

Message 5 of 8
Anonymous
Not applicable

Re: Capital One Spark Business and Personal Credit


wrote:

Great card, the unlimited 2% cash back is hard to beat. 


I'm only getting 1%. Do you know if that's possible to upgrade it in 6-18 mo?
Message 6 of 8
Anonymous
Not applicable

Re: Capital One Spark Business and Personal Credit

They have a website to see if you have any upgrades available. It took me about 12 months to go from 1.5% to 2%

 

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Message 7 of 8
SouthJamaica
Mega Contributor

Re: Capital One Spark Business and Personal Credit


wrote:

wrote:

Great card, the unlimited 2% cash back is hard to beat. 


I'm only getting 1%. Do you know if that's possible to upgrade it in 6-18 mo?

I don't know the timing but yes they upgrade.


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

Message 8 of 8
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