Capital One® Spark® Cash for Business Reviews

Very misleading.

After reading about the sign up bonus i decided to sigh my company up for this car card which was a huge mistake. 

Let me list the issues i’ve had 

  - After being promised a certain credit limit over the phone i stoped looking for other options as this apeared to cover the needs of my business . Once we received the card we found the initial credit line to be beyond insulting 

 - The inital $500 in bonuses is correct but the $1,500 bonus if you spend $50,000 in 6 months is not a “thing” as i was told by a costumer service rep over the phone 

 - Absolutely no help from costumer service when I called to disscus these issues . I was given the standard excuses and offered absolutely no proper guidance .

If you own a small business this is NOT the card nor company for you .

Happy with the initial limit, spending bonus, and rewards.

I COMPARED ALL POSSIBLE BUSINESS CARDS FOR CASH BACK AND THIS IS THE BEST, INITIAL 500$ BONUS IS GREAT. 2% CASH BACK IS ALOT BETTER THAN WHAT AMEX OFFERS 1-5% and THE 5% IS ONLY ON OFFICE SUPPLIES, HOW MUCH DO YOU REALLY GOING TO SPEND ON OFFICE SUPPLIES, ALSO EVERYTHING WHAT YOU CAN BUY IN STAPLES YOU CAN GET IT IN WALMART OR AMAZON FOR LESS THAN HALF PRICE SO THAT 5% CASHBACK IS WORTHLESS. PLEASE DO YOUR RESEARCH BUT DEFINITELY CONSIDER LOOKING INYO THIS CARD. ALSO CUSTOMER SERVICE IS GREAT COMPARED TO INDIAN SPEAKING AMEX CUSTOMER SERVICE WHERE YOU CANNOT UNDERSTAND EACH OTHER. DONT GET ME WRONG I LOVE MY BLUE AMEX FOR 3% CASHBACK FOR FOOD BUT I HATE THAT THEY DO NOT HAVE ANYONE IN CUSTOMER SERVICE WHO SPEAKS PROPER ENGLISH.

Outstanding card.. we bill over $150,000 per year on this card.. never had any problems.. card rep actually came to one of our job sites to get an idea on how to help us grow...

bank closed the account without explaining a reason. 

I had 0 late payments and a large volume of transactions. 

Also, it reported against my personal credit score

Dont apply

Great for rewards. Increased my limit without an inquiry. Report to personal credit for a business card. They shouldn’t do that. 

this is the only business card i have that reports to my personal credit report, very stupid,

I obtained this card in October 2017. I had minor, but annoying initial issues (wrong address used on the mailing address and a few other clerical issues), but the initial maximum balance was high and the card has 2% "cash back" (it isn't really cash back, you must apply it to your bill to use it, but it was close enough for me, or so I thought).

For the first few months, the card worked like a normal credit card. Then, I had a seemingly random and embarrassing declined charge, while at a local retailer with a line behind me. I had no advanced notice by email, text, or phone that there was a problem with the card, the account was current, the account has never had a late payment, we have never carried a balance on the account, and we have never had any fraud on the account. I called Capital One and received polite, but generic and unhelpful responses to my complaints. I was told that concerns over PREVIOUS charges were the cause of the decline and that a notification surely was sent, though the representative couldn't say the means of delivery, only that it "must have been either text message or email." This same exact issue occurred a second embarrassing time. Then, on the third declined charge I was told there was no concern of prior fraud, but the CURRENT transaction I was attempting (a simple purchase of some pizza at a local restaurant, which had been completed multiple other times) was suspected fraud and therefore declined. I called immediately and complained again about receiving no notice of the fraud concern. The Capital One representative said, "oh, we just sent you an email". Sure enough, Capital One declined a normal charge and sent me an email to tell me. Clearly, they are playing it extremely safe, to my detriment and their benefit. In my opinion, they're playing it way too safe and putting their concerns above mine in priority. It's their job to stick their neck out a little, but they apparently don't think so. I'm not willing to hand a Capital One card to any retailer anymore and just wonder if it'll get declined. I need a credit card company that'll actually do their job. That was the last charge on this Capital One account.

 They boot your card once they figure out you are earning more cash back and not keeping your balance or paying off your card on time . My acc was restricted / closed all of a sudden without any reason but a letter sent out to me saying at this time we don’t have any further details on why your acc is being closed and so does the customer service is they will not talk to you or tell you why they closed your acc