Synchrony MC or Capital One Spark?

[Swatch]

If I can only get one of these, which makes more sense? I am fine with PG.

1. Sam's Club Business mastercard (Synchrony) - double pull, reports to 2

2. Capital One Spark Classic - triple pull, reports to 4

I think I prefer to deal with Synchrony, but I was curious if anyone had input.

(I will definitely do NFCU if I can get a membership, but I might also want one of these.)

[dragontears]

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@Swatch wrote:

If I can only get one of these, which makes more sense? I am fine with PG.

1. Sam's Club Business mastercard (Synchrony) - double pull, reports to 2

2. Capital One Spark Classic - triple pull, reports to 4

I think I prefer to deal with Synchrony, but I was curious if anyone had input.

(I will definitely do NFCU if I can get a membership, but I might also want one of these.)

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Which one has better rewards for your business spending? 

[Ficoproblems247]

+1 to whatever fits your spend the best. Also, what are you referring to by "reports to 2, and reports to 4?"

[Swatch]

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@Ficoproblems247 wrote:

+1 to whatever fits your spend the best. Also, what are you referring to by "reports to 2, and reports to 4?"

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Business credit reports. Oops, only 3 for Capital One.

https://ficoforums.myfico.com/t5/Business-Credit/Which-Bank-Biz-Cards-Report-To-Biz-Credit-Reports/t...

[spiritcraft1]

Sync B only reports to Business.  That may be a factor.  We pay in full but not before the statement cuts on the Business side.  That would wreak havoc on our personal reports so we will never have a Cap1 or a Discover business card.

[eg2222]

@spiritcraft1 Capital One Spark Business 2% CB no longer reports to personal credit if you applied under their new program (I believe if you have an old account it does still report). I have had the card for 7 months or so and applied when the new progrsm rolled out and can confirm it does not report to personal. 

[spiritcraft1]

Thats for that.  I was unaware, that is a good development.