Capital One Spark Cash for Business

card works like a regular credit card, rewards are good love the cash back.But..... this card reports all balances day one to your personal credit. It hurt my personal credit score because my business carried a few thousand fallout balance for a while. Most business credit cards only report if delinquent this card reports even when it good standing. Not fair to the consumer. Will not us card anymore it will carry zero balance. Go with chase ink or m&t new credit card they are great!

I love the cash I get back. If you pay off the balance every month, you don't pay interest, so the only way I would not want this card is if there wasn't sufficient cash flow to pay off the balance every month.I had no problems activating the card. Occasionally, I get an email asking if my transaction was fraudulent or a duplicate. I just tell them it's ok and move on with business. With all the fraud going on, I'm glad they look out for my business in this way. If I need cash, I keep in mind that there is a significant fee to pay and that I need to go to a Chase Bank. I love this card for the cash. Pure and simple.

Worst business card ever. 1st i should've cancelled this card when they refused to extended my credit limit to 25,000. I need this credit limit to run my business daily but it wasn't a big thing i just used my american express instead. But what really got me furious is that I was away for a business trip and heavily relying on this card because no foreign transaction fees and accepted where my american express wasn't. This card was suppose to be the card i used for the majority of my spending and cash advances. I went to the atm tried to take a cash advance they rejected all the pins i used. then i called them from the other country they transferred me to the fraud department after 1 hour + conversation they asked for front and back of my license I uploaded it securely. Then they said that was not enough they need my social security card, proof of address and passport. I told them i only have my passport. They said that wasn't enough and they were going to suspend my card. I explained to them this was my primary source of spending card for this business trip. They didn't want to hear. As soon as i got back to the states i payed of the balance and cancelled the card immediately they didn't even give me my reward cash. I will never deal with capital one credit card company again because they are unreliable for a small business.

Reports to your personal credit report.

Reports to your personal credit report.

They decline your card if you are 2 weeks late. If you travel and are out of town and don't get to your bill in time, they throw you under the bus. Called customer service and they said basically "that's the way it is". I would hate to be stranded out of the country with a declined card from these folks. I am moving on. What's in your wallet?????

Similiar to other reviews here, they put a false fraud alert on my card and after hours and hours of trying to get it cleared and multiple rude calls I got frustrated and cancelled the card after the representative assured me I had no rewards remaining. After the fact I was able to get online and view that I had over $200 in rewards forfeited. They wanted a physical copy of my drivers license, original social security card and proof of residence

My business use Amex Plum and SPARK. I really don't understand all of this one and two star reviews. I mean People can't activate card .... or dispute question ? Guys this is irrelevant. This is the only card (correct me if I am wrong) to have 2% money back. My business spends around 700K a year. That means I'll get 14K of free money. We don't travel so this is does not matter. All I care is about getting hard CASH back.So if you spend money and don't care about travel benefits, get this card. For people with some pathetic troubles, please read policy and reviews. I had several problems with CapitalOne charges on my personal cards and I always received help from CapitalOne.

Excellent credit and no benefits. Tranfers are an awful deal unless you like 18% APR transfer offers. The interface is great, but capital one for an online oriented bank is terrible because they split all the logins up and that makes it hard for quickbooks. It reports to your Personal FICO.Beyond 2% cashback nothing to offer here

They never by n your side when u really need them. Yes, I am talking about transaction dispute. They have no idea what they are working on and what is required from your to support your transaction dispute.

Beside the hassle you have to go through to activate this card. This card is truly the best cash back card out there.

The card gives great cash back. The one thing that I hate about the card is that they report my business expenses on my personal credit. I would use it a lot more if Cap One reported to D&B instead of personal credit agencies like my other business cards do. DON'T USE THIS CARD IF YOU ARE A BUSINESS OWNER THAT SPENDS A LOT AND WISHES TO KEEP YOUR PERSONAL CREDIT RATING HIGH. I would have no problem if they reported late payments or any delinquencies.

Capital One has recently done away with the ability to link your business card to any financial software such as Sage 50 or Quickbooks. Now you must go through the tedious, monthly process of manually downloading transactions into a CSV then again manually uploading them into your financial software. I loved this card until it stopped working with my Quickbooks.