I signed up in my 3rd year in business for the sparks business card. Small plumbing business initially, that has grown rapidly, this card is used to pay off some of my merchants every month. No issues with increases, currently at 30k. Pay off every month. Denied a purchase at Ralph's recently for $500 in gift cards during Christmas, used another card and called sparks, I was told my usage looked fraudulent and they held up the purchase, I told them I used another card and they profusely apologized and offered me the 2% back (even though I used another card) plus $20 for the trouble! I have zero issues with this company and look forward to a long term relationship.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 23.24%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 23.24%* Variable
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Most Helpful Negative Review
This card reports on your personal credit as well as the business. It dragged down my credit score by 30 points in 2 months. It is truly not a business card. Find another option if you are truly looking for a business card. I am in the process of refinancing my home, and it is now a hinderance.
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