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Spark Business Credit Card – Spark Cash

Spark Business Credit Card – Spark Cash


Are you interested in the spark business
credit card? Duane here with how to local credit TV and in this video we’re
gonna have a look at the spark business credit card from Capital One. As a matter
of fact we’re gonna be looking at the spark cash business credit card in this
particular video. But before we get started I have a quick message. Once again my name is Duane with how to
build credit TV and on this channel we talk about everything you need to know
about credit. Whether you’re looking to establish credit, built credit, rebuild
credit or learn more about the FICO score and how it is comprised so you can
increase your credit score. We also talked about ways to get cash back
actual cash money from using credit cards, as well as credit card reviews. So if
this sounds like something in which you’re interested be sure to subscribe
to our channel by clicking the word subscribe below this video to the right
and click that notification bell so you don’t miss a thing.
Okay so Capital One actually has a lot of credit cards in their spark business
credit card lineup. I think there’s about five credit cards in the spark business
credit card lineup that capital one actually has to offer. But in this video
we’re gonna be having a look at the spark cash business credit card. This
particular credit card offers an unlimited 2% cash back on all your
purchases. And I think it’s a pretty decent card there’s a nice sign of bonus.
So we’re gonna have a look at this card in more detail on my computer. So give me
one second I’ll see you guys on my computer. Okay so we’re at the Capital
One website to have a look at the spark business credit card. This particular
credit card is the spark cash for business. So it says right here unlimited
2% cash back on every purchase every day. And of course there they have the
customer rating here on the website it’s a 4.5 out of 5 stars.
One thing about Capital One is they normally have a good customer rating for
the majority of their credit cards. I haven’t really come across a credit card
yet that has a very bad customer rating so that’s really good that there’s a
four and a half stars out of five stars, that’s a pretty big deal. The next
thing that you definitely want to take into consideration is the type of credit
that they recommend that you need to have before you apply for this card. So
right here on the screen it says this card is for business owners with
excellent credit. So they let you know that right off the bat, in other words
you know if you don’t have excellent credit then you probably don’t want to
apply for this particular credit card because the rewards that they’re
giving but this card is really good. They they reserve that right to give it to
people with excellent credit. So let’s scroll on down here and have a look at
the rest of this website. So as you can see here it says unlimited rewards we’ve
talked about that already unlimited 2% cashback.
The next one says $500 cash bonus. Earn a one-time $500 cash bonus once you spend
four thousand five hundred dollars on purchases within the first three months
from account opening. And of course there’s a number one here you can click
on that and do some research and just to kind of read up on what they’re talking
about exactly. And then to the right it says free employee cards. Add employee
cards at no additional cost and earn all the rewards from their
purchases. So if you have more than one employee or if you want to have more
than one credit card or in this case the spark business credit card. Than you can
get additional credit cards at no extra cost and that’s really good because a
lot of these different credit cards especially the business credit cards
they do charge you to get additional credit cards or authorized users. So
that’s pretty cool that Capital One is not. The next thing here talks about
annual fees $0 intro for the first year and $95 after that. So that’s important
to know just so that you know what you’re getting into. There’s no annual
fee for the first year and then there’s a ninety five dollar annual fee after
the first year. Then it has purchased rate APR, it says eighteen point seven
four percent variable APR and then the next category over here talks about
fraud coverage and alerts. $0 fraud liability if your card is lost or stolen
and get real-time alerts of fraud attempts via text, email or phone. Now
this is something that Capital One is really good at doing I have two credit
cards with capital one and they’re definitely on top of any kind of
suspicious activities that’s on my credit cards. Like one of the times I
actually went to Las Vegas and I didn’t you know I didn’t call him and tell him
I was going to Vegas but I made some purchases and of course they contacted
you right away because I don’t live in Vegas so they were like is is this your
purchase. Do you authorize these purchases and I was like yes I do.
So they’re really good about fraud coverage and alerts. Okay
so let’s go ahead and look right here it says card features and benefits spark
business credit cards come with these features. On the left it says quarterly
and year end summary. Get a custom itemized report of your spending to help
simplify planning budgeting and tax time. So that’s really good that they give you
that because a lot of business owners you definitely
want to be on top of your finances and you know in control of kind of what’s
going on. Basically in the know of what’s going on with your finances. So that’s
very cool that they give you that. It says no foreign transaction fees you
won’t pay a transaction fee when making purchases outside of the United States.
That’s always good so if you’re abroad you can rest assure that you don’t have
to pay any transaction fees for any purchases you make outside of the US,
that’s always good to know. Alright on the right it says right
here rewards your way. Redeem your cashback for any amount. Rewards don’t
expire for the life of the account. So in other words as long as you have this
credit card open your rewards will not expire. That’s very good to know and then
right here talks about spark cash also comes with visa business benefits. So
there’s auto rental collision damage waiver,
there’s purchase security and extended protection. There’s travel and emergency
assistance services. So of course you guys can read up on this if you’re
interested in this particular credit card that Capital One is offering. They
have a bunch of different spark business credit cards but this particular one is
the spark cash business credit card. So I’m gonna click right here where it says
see all capital one business benefits. Alight it says you work hard for your
business your credit card should too. So it says protecting your interest it
talks about fraud coverage and interactive alerts. Real-time alerts on
fraud attempts we talked about that earlier.
There’s purchase security within the first 90 days of purchase this coverage
will replace repair or reimburse you for eligible items purchased with your
business card in the event of theft or damage. That’s very important to know as
a business owner you definitely want to make sure that you have some kind of
protection and some type of security in regards to having your items replaced if
need be. So that’s good to know there’s extended protection you’ll get
additional warranty protection at no charge on eligible items that are
purchased with your business card up to one year past the manufacturer’s
warranty. Now clearly that’s very powerful, that is wonderful.
That’s a good perk to have as well and then the next one says visa savings edge.
Shop with your enrolled visa business card at participating merchants and save
up to 15%. Visit visa savings edge.com for
details. So there’s a bunch here guys, there’s a bunch of information here that
talks about some more stuff. Right here it talks about helping with the details
with the employee cards, the quarterly and year and summaries, downloadable
purchase records, no transaction fee no foreign transaction fees. We talked about
that earlier. It talks about providing service you can count on. Experience
spark business customer service representative and it talks about the
fact that they’re available to use seven days a week to help with any questions
you may have just call toll free. And there’s online
servicing and there’s the mobile app. Capital One really does well with their
mobile app like I said I have two Capital One credit cards and I’m very
happy with the mobile app. I use it all the time to take my credit card bills
and it’s really easy you just attach a checking account to that mobile app and
then you’re good to go. You can pay your credit card bills
as much as you want. I pay my normally once a week especially if I’m using it
quite a bit. So this particular credit card the spark cash for business is a
solid card from Capital One. Especially if you’re a business owner and you have
excellent credit. I would definitely advise you applying for this card
because you get two percent cash back on every purchase and that is pretty sweet.
You also get the ability to earn five hundred dollars cash back when you spend
forty five hundred dollars on purchases within the first three months from
opening the account. So thanks for watching this portion of the video I’ll
see you guys back in just one second. Thanks for watching this video about the
spark business credit card from Capital One. Actually the spark cash business
credit card from Capital One. If you like this video please be sure to give it a
thumbs up it helps our channel quite a bit. And if you want to share this video
with somebody that may find it helpful please feel free to do so as well. Before
I wrap the video up let me know in the comments below is this a credit card
that you’re interested in getting the spark cash business credit card. If so
let me know in comments below. If you haven’t subscribe to the channel yet
please consider subscribing because on this channel we talk about everything
you need to know about credit. Whether you’re looking to establish credit, build
credit, rebuild credit or learn more about the FICO score and how it is
comprised so you can increase your credit score. We also talked about how to
get cash back actually money from using credit cards, as well as
credit card reviews. If this sounds like something in what you’re interested be
sure to subscribe to our Channel and click that notification bell so you
don’t miss a thing. Once again my name is Duane with how to build credit TV and I
approve this video. I’ll see you in the next video. Until next time take care and
be blessed. Peace!

Comments (5)

  1. Hey I really need your help I'm 18 years old. I have a job the pay $9.00 and I want a secured card so I can start building credit I have an account with wells fargo but I don't know if I should get thier secured what secured card do you recommend I should get

  2. Should I get the capital one secured card?

  3. Do you know of any business credit card that only use the business EIN and doesn't require a PG?

  4. I have very good credit but I don't have a business do I need to have a business to get this credit card

  5. 0:08 False. CapitalOne Spark is NOT a TRUE BUSINESS CREDIT CARD — compared to Chase Ink, which only reports to business credit bureaus, and NOT to PERSONAL Credit Bureaus. I was SHOCKED TO SEE MY FICO SCORE PLUMMET TODAY, when my card was reported onto my personal credit profile. CapitalOne Spark (small business / non-corporate) reports to both personal and business credit bureaus… so buyer beware…. Or better yet, stick with Chase Business Cards, or any other corporate card that doesn't pull this sort of nonsense.

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