Spark 1.5X Miles Select Business Credit Card

Capital One

The Spark 1.5X Miles Select business credit card provides unlimited 1.5X miles on every purchase, with no minimums or expiration date. Earn a bonus during first 3 months if you meet spending requirements.

Requirements:

  • Personal Credit Score 720+ (for excellent credit applicants)
  • EIN Number
  • Company email address
  • Legal business name
  • Business address and phone number

Business Credit:

  • 0% intro APR for 9 months
  • Variable APR 13.99% - 22.99% after that
  • Reports to business credit & personal credit

CLICK HERE to apply

  • $0 annual account fee

Excellent Credit Requirements - Only apply if you meet the following criteria:

  • You have not declared bankruptcy in the past 5 years
  • You have not defaulted on a loan in the past 5 years
  • You have not been 60 days late on any credit card, medical bill or loan in the past 12 months.
  • You have a loan or credit card for 3 years or more with a credit limit above $5,000

Documents to have ready (may require you to submit proof of ownership)

  • EIN letter
  • Address verification (business utility bill, bank statement, etc.)
  • 1

    Remember - Credit Reporting

    Not all card issuers report business credit card account activity to a business credit reporting agency. Some card issuers "may" report to personal reports or "may" only report to personal reports in the event of default.
    Some card issuers may report to both personal and business credit reports. For example, Capital One business credit cards report to both personal and business credit reports.

  • 2

    Note - Hard Inquiry

    Some issuers are more forthcoming than others, but the majority indicate they make a hard inquiry on a personal credit report during the application process. A hard pull could cause a small, temporary drop in your credit scores. (typically up to 5 points)

  • 3

    Tip - Personal Guarantor

    If you stop paying the business credit card bill, you will be held personally responsible for what is owed, even if the account does not report to your personal credit report.