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 45 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!