capital one spark annual fee waiver
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Updated October 26th, 2020 to clarify that this will apply only to accounts in good standing.


Capital One has some great business credit cards. But the Spark Cash and Spark Miles have always had a subtle difference when compared to the business cards issued by Chase, American Express and Citi: Capital One Spark Cards (their business product) report to your personal credit report.

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The only exception historically has been those with high credit lines ($150,000+).

Why Does It Matter?

This is a big negative, because businesses tend to charge a lot. You may pay it off each month (or not) but a business is likely to have relatively higher utilization than a person.

Personally, I charge a lot on my business cards and always pay in full, but I don’t put much on my Spark card for this reason.

If I use half of my credit line to pay for large business expenses, I don’t want my personal credit score to suffer as a result. After all, they aren’t personal expenses. 

Changes for the Spark Cash: Won’t Report to Personal Credit

Effectively immediately, new Spark Cash for Business cards will not report to your personal credit report, as originally learned by HelpMeBuildCredit and then confirmed to me personally by a Capital One spokesperson.

Note, however:

  • Existing Spark Cash cards will still continue to report your business line to a personal report.
  • All Spark Miles cards, for now, will continue to report to your personal credit. (I got a “no comment” from Capital One on the question of when or if this will change.)
  • All Capital One cards, including these, may pull all three credit bureaus when opening an account. As far as I know, that’s not changing
  • This only applies to accounts in good standing. If your account is not in good standing (i.e. late payments, missed payments), it will still report to your personal credit profile.

It’s unfortunate that existing Spark Cash cardholders won’t get the new benefit, but one possible strategy would be to open a new Spark Cash card now even if you already have one – or a Spark Miles. You are allowed to have two of the same Spark card.

You can earn the cash on your new Spark Cash and you can convert those into miles online. Or cash out as cash. That’s a benefit of having both Capital One Spark cards – the ability to cash out at full value or convert to miles. 

It’s great to see that Capital One is hearing that people do care about this distinction and is moving to be more in line with all other issuers (only Discover would be left reporting business cards to personal credit profiles).

spark cash
Spark Cash for Business

Also See:

Frequently Asked Spark Cash and Spark Miles Questions

Does a Capital One Spark Business credit card report to personal credit?

If you open a new Spark Cash for Business credit card today, it will not report to your personal credit file. However, the Spark Miles card still does (for now) report to your personal credit file. As well, all Capital One Spark cards opened before Oct. 22, 2020 will report to your personal credit file.

What credit bureaus does Capital One pull for a credit inquiry?

They are likely to pull all three.

How many Capital One credit cards can I have?

Two is the maximum they will issue for personal cards like Venture and Quicksilver, but you can also have multiple Spark for Business credit cards. Note that even for personal cards, co-branded products won't count against your limit.

Can I get the early spend bonus on a Capital One Spark credit card I've had before?

Probably. Officially the terms say: The bonus may not be available for existing or previous Spark cardholders.

How often can I apply for a new Capital One card?

No more than once every 6 months.

Can you have two of the exact same Capital One Spark cards?

Assuming you can be approved by underwriting, Capital One will not deny you a second of the same Spark card.


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    • It’s definitely accurate 🙂 I got one myself and it’s not on my personal credit.

      Your situation is most likely one of three things:

      1) You got a Spark Miles. Only a new Spark Cash will not report to personal.

      2) You got the Spark Cash but before this change occurred (the date of this post).

      3) You missed a payment. It *will* report to personal credit if you are delinquent. Just not otherwise.

      But yes, I verified this myself and it’s accurate exactly as I wrote above.

  1. hi dave
    i would like to know if the
    Capital One Spark Cash “Select Business” ($0 Annual Fee) is the same as
    Capital One Spark Cash “for Business” Will the Spark Cash Select Business report on my personal credit. ?

      • Hi Dave, Just to be clear, the Spark Cash Select will report to personal report? The branding of the card is the same and I wasn’t paying attention when I applied and got the Select rather than the regular… I think that it may have been the case for Adam as well..

        • Great question and an edge case I never thought about. My guess is that it only applies to the full Spark Cash else they would have mentioned both cards to me. Perhaps whenever / if ever they change the Spark Miles they will change Spark Cash Select but that wouldn’t help you since even for Spark Cash it only applies to new cards.

  2. I applied for Spark cash 6/4/21 and was instantly approved after them pulling all 3 bureaus. As of 7/22/21 they reported it on my personal credit (1st payment was due 7/16/21 which was paid in full). It did drop my FICO and age.

    • Hi Monique. Can you please clarify two things?

      1) We know that it WILL show as a hard inquiry on your personal credit like all business cards from every issuer. (I state this in the post). Are you saying that it shows the new Capital One Spark Cash as a NEW ACCOUNT including credit limit and all of that on your personal credit report?? That would be an anomaly (Mine definitely does not and I just pulled a fresh report to check).

      2) We would expect the FICO to drop up to 10-15 points max for a couple of weeks as with any hard inquiry – then bounce back. You mention it dropped your “age” – do you mean average age of accounts? I guess once I know your answer to #1 above, that will make more sense.


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