Tuesday, 24 December 2019

Capital One Quicksilver Cash Rewards Credit Card Review - $150 Cashback Bonus $500 Referral Bonus 1.5% Unlimited Cashback

Capital One Quicksilver Cash Rewards Credit Card Review

The Capital One Quicksilver Cash Rewards Credit Card is brilliant if you want a no nonsense approach to cashback rewards. This cashback credit card is for people who don't want to mess around with choosing where they spend their money to maximize cashback. 

With the Capital One Quicksilver Cash Rewards Credit Card you get a flat rate of 1.5% on everything your spend on. There are no categories like dining or entertainment. This is a no nonsense cashback credit card that puts you in control.

The Capital One Quicksilver Cash Rewards Credit card has some pretty good features and benefits. You can make a lot of money in cashback if you use the cashback reward card effectively. First of all, you can get $150 cash bonus when you spend $500 within 3 months of opening account. 

You also get a hefty 15 months interest free credit on purchases and balance transfers, so if you've got a lot of debt on other credit cards and you're paying interest you can shift it over to the Capital One Quicksilver and save money. Simple.

In this concise Capital One Quicksilver Cash Rewards Credit Card Review I will be analyzing this card in detail, I will outline the features and benefits and share strategies on how you can maximise the cashback. I will also be answering some of the most frequently asked questions for the Capital One Quicksilver Cash Rewards credit card.



Bonus 1: Spend $500 on the Capital One Quicksilver Cash Rewards credit card and get $150 in cash bonuses.  

Bonus 2: Get 1.5% on everything you spend on using the Capital One Quicksilver Cash Rewards Credit Card. There are no categories or signups, this is as simple as it gets.

Bonus 3: Get 15 Months interest free credit on purchases and balance transfers. There are no annual fees or foreign transaction fees for the Capital One Quicksilver Cash Rewards credit card.

Capital One Quicksilver Cash Rewards Credit Card FICO Requirements


The Capital One Quicksilver is a very popular card because of its simplicity. This is a highly sought after card and it's very hard to get. 

To cut right to the chase, the absolute bare minimum FICO requirements for the Capital One Quicksilver Cash Rewards Credit card is a FICO score of 700.

To be certain of being approved you should aim to have a FICO score of 720+. You should make sure your total credit utilisation is not too high and you have no fraud markers lurking in your credit report.

Like I always say, don't chance it, check your credit report and FICO score before you apply for this peach of a card. If you fall short, you should spend at least 6 to 12 months repairing and improving your credit. It is entirely possible to improve your credit to 720+, I did it with terribly bad credit and you can do it too! 

Capital One Quicksilver Cash Rewards Credit Card Features


The best feature of this cashback rewards credit card is simplicity. Leonardo Da Vinci said 'simplicity is the ultimate sophistication' and this card oozes simplicity.

I really enjoyed analyzing this card in detail under a proverbial microscope. It doesn't have a lot of features like the Capital One Savor One but the beauty of this card is the flat rate cashback on offer, it's unlimited. 

If you're a high net-worth client who spends money on anything and everything and doesn't have a specific interest this is the card for you.

There are high net worth credit card experts on Reddit and NerdWallet.com who swear by this card and they are making thousands every year and reaping the benefits of cashback reward. Don't miss out.

Feature 1: Yes you guessed it. The Capital One Quicksilver Cash Rewards Credit Card has a flat rate cashback on 1.5%. There are no signups required, no forms to fill in and no categories to choose. You just go with the flow and spend money and receive unlimited 1.5% cashback. If you do spend $10,000,000 you will receive $150,000!

Feature 2: Earn right from the start. Just spend $500 within 3 months of opening the Capital One Quicksilver Cash Rewards Credit Card account and get $150 cashback. It's really that simple. 

Feature 3: Your Capital One Quicksilver cashback will never expire. It's the most infuriating feeling when you've missed out on your cashback rewards. 

With this simple credit card your cashback rewards will never expire as long as your credit account is open. Simple.

Feature 4: There are no annual fees ever, there are no foreign transaction fees. The Capital One Quicksilver Cash Rewards Credit Card is as simple as it gets.

Feature 5: Get 15 months interest free credit on purchases and balance transfer on the Capital One Quicksilver Cash Rewards credit card. 

There balance transfer is subject to a 3% fee. Shift debt to this card and pay no interest and save money. A penny saved is a penny earned as savvy personal finance experts say.

Feature 6: Receive $100 for every successful referral to the Capital One Quicksilver Cash Rewards credit card. You can earn up to $500 a year maximum for referring 5 people. 

Maximize Capital One Quicksilver Cash Rewards credit card


One of the best feelings ever is to maximize the Capital One Quicksilver Cash Rewards credit card. Whenever I get a new cashback rewards credit card I look for ways to maximize each rewards. 

There are credit card experts on sites like Reddit and NerdWallet.com who are cleaning up in terms of cashback rewards. I wanted to share some of the strategies I found on these cashback communities. 

Strategy 1: As with all cashback reward credit cards you should take advantage of the initial bonus offer. The Capital One Quicksilver Cash Rewards credit card will give you $150 cash bonus when you spend $500 within 3 months. Easy.

Strategy 2: Next turn your attention to grabbing the referral bonus. The Capital One Quicksilver Cash Rewards credit card offers $100 for every successful referral. You can earn up to $500 every year for referring your friends and family to this wonderful cashback rewards credit card.

Strategy 3: Shift as much debt as you can to the Capital One Quicksilver Cash Rewards credit card to take advantage of the 15 months interest free period. You will have to pay a 3% balance transfer fee, but, you will save more in interest. As I said earlier, a penny saved is a penny earned.

Strategy 4: Put all your expenses on the Capital One Quicksilver Cash Rewards credit card and earn 1.5% cashback rewards. You can also request additional cardholders and they will also receive cashback rewards at 1.5% on everything they spend. There are no limits so the more you spend the more money you will earn in cashback rewards.

Capital One Quicksilver Cash Rewards credit card FAQs


The Capital One Quicksilver Cash Rewards credit card is unbelievably popular. You need a FICO score of 720 because this is a highly sought after cashback credit card. What draws people to this card is the simple concept of earning 1.5% every time you spend. 

I get a lot of questions about the Capital One Quicksilver Cash Rewards credit card so I answered 20 of the most frequently asked questions about this super cashback rewards credit card. If you have any questions please feel free to email me or leave a comment on the comments section below.

Q1: What credit score do I need for a Capital One Quicksilver card?

The FICO score you will need to get approved for the Capital One Quicksilver Cash Rewards Credit Card is 720+. This is a highly sought after card so your credit report will also have to be nice and clean. You must have a low total credit utilisation ratio and must not have any nasty fraud markers.

Q2: Is Capital One Quicksilver a good credit card?

The Capital One Quicksilver Cash Rewards Credit Card is a good card for people who like simplicity. This cashback rewards credit card will give you 1.5% on everything you spend on, there is no limit and your cashback rewards never expire. Suppose you are a high net worth client and you spend $10,000,000 a year you will earn a hefty $150,000.

Q3: How does Capital One Quicksilver cash rewards work?

The Capital One Quicksilver Cash Rewards Credit Card works by rewarding you with 1.5% cashback on everything you spend on. There are no restrictions, there are no categories or signups required. There is no limit on how much you spend and you can earn unlimited cashback rewards which never expire.

Q4: What is the highest credit limit for Capital One Quicksilver?

The Capital One Quicksilver Cash Rewards Credit Card starts with a credit limit between $1,000 and $10,000 depending on your creditworthiness and total credit utilisation ratio. Your credit limit will continue to rise providing you manage your account effectively. There are no upper credit limits stated on the Quicksilver credit card so I suppose the sky is the limit.

Q5: Is Quicksilver better than platinum?

The Capital One Quicksilver Cash Rewards Credit Card is better for cashback rewards enthusiasts, whereas the Platinum card is better for people who do not have a high enough FICO credit score for the Quicksilver.

Q6: What is the difference between Quicksilver and Quicksilver one?

Both the Capital One Quicksilver and Quicksilver One offer 1.5% cash back rewards. However, the key difference is the Quicksilver caters to Good/Excellent credit score, while Quicksilver One caters to Fair/Limited Credit Score.

Q7: What kind of card is Capital One Quicksilver?

The Capital One Quicksilver is a cashback rewards credit card which rewards you with 1.5% cashback on absolutely everything you spend on. There is no upper limit on spending. The rewards never expire. 

Q8: What are the benefits of Capital One Quicksilver?

The benefits of Capital One Quicksilver Cash Rewards Credit Card is you get $150 cash bonus when you spend $500 in the first 3 months. You also get up to $500 in referral bonus when you refer 5 people to the Quicksilver account. You also earn 1.5% on everything you spend on with no restrictions or limits.

Q9: What is the best Capital One credit card to get?

Most cashback rewards credit card agree the following...

Capital One Venture Reward Credit Card is the best for travel.

Capital One Quicksilver Cash Rewards Credit Card is best for cashback.

Capital One Spark Cash for Business is best for small to medium sized business.

Capital One Journey Student Rewards is best for college goers.

Q10: What's the highest credit limit on a Capital One card?

The Capital One Venture Rewards Credit Card has the highest credit limits given by Capital One. I have seen credible reports where Venture Reward holders have a credit limit of $50,000. The average credit limit for the Venture Reward Credit Card is between $5,000 to $10,000.

Q11: How often does Capital One automatically increase credit limit?

You can request an increase in your credit limit with Capital One as often as you like. However, Capital One will only increase your credit limit every 6 months.
 
Q12: Can you have 2 Capital One credit cards?

Capital One allows 2 Capital One credit cards per cardholder. 

Q13: Can I upgrade my Capital One Platinum to Quicksilver?

You can upgrade your Capital One Platinum to Quicksilver providing you have managed your account well and have no arrears or missed payments after 6 months. Give Capital One Customer Service a call and make the request, you can also kill two birds with one stone by also asking for a credit limit increase.

Q14: Can I apply for a Quicksilver card with bad credit.

With a bad credit score you will not be approved for a Capital One Quicksilver Cash Rewards Credit Card. You need a FICO score of 720+ to be certain of approval. .

Q15: Is Capital One Quicksilver a Mastercard or Visa?

Capital One Quicksilver is a Visa card, not a Mastercard. If approved for Capital One Quicksilver, you'll receive either a Visa Platinum or Visa Signature version of the card.

Q16: How do I get Capital One Quicksilver rewards?

You can see all the cashback rewards when you log into your online account. You can click on the Reward Balance and then choose how you want to redeem your cashback rewards.

Q17: How do you get a cash advance on a Capital One credit card?

You can log into your online account and request a cash advance as long as it is activated on your account.

Q18: Which is Better Capital One Quicksilver or venture?

The Capital One Quicksilver offers 1.5% cashback rewards, whereas, Capital One Venture offers 1%. The Capital One Venture Rewards is more suitable for people who like to travel.

Q19: What is the credit limit on Capital One Quicksilver card?

Once approved for a Capital One Quicksilver Cash Rewards Credit Card you will be given a credit limit of $1,000 to $10,000, depending on your creditworthiness.

Monday, 23 December 2019

Capital One Savor One Credit Card - $150 Signup Bonus $500 Referral Bonus 3% Cashback on Dining and Entertainment

Capital One Savor One Credit Card


The Capital One SavorOne Cash Rewards credit card is exceedingly good value if you like the idea of cashback rewards. The cashback rewards on offer and the initial bonus makes it worth having this cashback rewards credit card firmly rooted in your wallet. 

There is a lot to like about the Capital One Savor One Credit Card. If you've maxed out the benefits on your other Cashback rewards credit card then this credit card should be next on your list. 

The benefits of the Capital One Savor One Credit Card include a respectable $150 cash bonus reward after you spend $500 on purchases within 3 months of opening the account. You can earn an unlimited 3% Cashback rewards on dining and entertainment and much more. 

Cashback rewards communities such as those on Reddit and Nerdwallet.com love this credit card and have it in their top 10 best cashback rewards credit card. Bottom line, this is a credit card you should have if you enjoy the buzz of making money from cashback rewards credit cards!




Bonus 1: The Capital One Savor One Credit Card gives you $150 in cash bonus after you spend $500 in the first 5 months. 

Bonus 2: The Capital One Savor One Credit Card gives you 3% cashback on dining and entertainment. You also get 2% Cashback at most grocery stores and 1% cashback on everything else. This is a very competitive card compared to its peers and well worth making an application for.

Bonus 3: On top of the cashback and the cashback bonus you get a an amazing 15 month interest free period on Balance Transfers and Purchases. You only have to pay a 3% balance transfer fee which makes it ideal if you want to move a balance and save money on interest payment. Like I said, there is a lot to like about this card!


Capital One Savor One Credit Card FICO Requirements


We've established that this is an exceptionally good card if you like cashback rewards and cashback bonuses. But before you chance it and apply you should know the FICO requirements. 

The bare minimum requirements to apply for the Capital One Savor Credit Card is 680 FICO Points, this is the absolute minimum you must have and it doesn't mean you'll be approved. 

To have a very good chance of approval you must aim to have a FICO score of 700+, this should guarantee you get approved providing you have a respectable credit utilisation ratio and you have no nasty surprises on your credit report.

Don't chance it! Get your credit score from a credit reference agency and if you don't have a 700+ Fico score you should spend 6 months to a year improving your credit, trust me this investment in time will be life saving in terms of the opportunities it will open for you.


Capital One Savor One Credit Card Features

I love to analyse all kinds of credit cards, it gives me a buzz.

I really enjoyed analysing all the features and benefits of the Capital One Savor One Cred Card and it has a lot to offer, especially if you're looking for another card to compliment your cashback rewards credit card. 

Here are some of the best features worth mentioning which makes it worth applying for the Capital One Savor One Credit Card.

Feature 1: Within 3 months you need to spend $500 using the Capital One Savor One Credit Card and get $150 in cash bonus. 

Feature 2: If you love dining or entertainment you can get 3% cashback when you use the Capital One Savor One Credit card. 

I've read on Reddit where cashback experts have started a events business using this cashback reward card and are cleaning up all the way to the bank, they are making a killing.

Feature 3: Another exceptional feature about the Capital One Savor One Credit Card is there are no rotating categories or boring signups you need to contend with. You just have to go with the flow and spend with this cashback rewards credit card.

Feature 4: No one likes it when cashback rewards expire, it's bloody infuriating. Fortunately, with the Capital One Savor One Credit Card the rewards never expire as long as the account is open. Every little helps.

Feature 5: Get a stonking 15 months interest free period on purchases and balance transfers. The fee on the balance transfer on the Capital One Savor One Credit Card is only 3% so you could save a lot of money if you're paying interest elsewhere!

Feature 6: If travelling is your thing the Capital One Savor One Credit Card should be right up your street. There are no Foreign Transaction Fees, so you can travel the world without worrying about nasty fees. 

Feature 7: You can make even more money with the Capital One Savor One Credit Card using the referral bonus. Refer someone to this card and when they signup you'll get $100 in referral bonus. You can refer 5 people a year and make $500 quite easily with your professional network.


Maximizing Capital One Savor One Credit Card


There is a lot to like about the Capital One Savor One Credit Card which is why cashback enthusiasts have this firmly nestled in their wallet. 

You can make a lot of money with this cashback credit card and experts over at Reddit have demonstrated how they make over $3000 using this credit card alone. 

If you're like me and like the idea of absolutely maximizing the rewards from cashback credit cards you should continue reading.

Here are some strategies to maximise the cashback rewards. All of these strategies are legal and you could end up making thousands every year. Sweet.

Strategy 1: First things first, take advantage of the $150 cashback reward on offer. Just spend $500 using the Capital One Savor One Credit Card within the first 3 months. It's an easy no-brainer way of making 150 quick ones.

Strategy 2: Shift all the debt you are paying interest on to the Capital One Savor One Cashback credit card. You will get 15 months interest free credit by only paying a small 3% fee. 

The amount you save in interest will more than offset the balance transfer fee and you'll save a lot of money and buy some time. Simple!

Strategy 3: Refer 5 people in your professional network to the Capital One Savor One Credit Card and get $100 per successful referral. You can make up to $500 every year through your referral bonus. It's easy and takes little time and you make 500 big ones.

Strategy 4: Get additional cardholder cards (from Capital One Savor One) and allow responsible family members to use the card and pay off the balance in full every month. This way you can take advantage of other people's spending.

Strategy 5: This maybe slightly far fetched, a lot of cashback connoisseurs have tried this over on Reddit. This strategy works by opening an events business and then using the Capital One Savor One Credit Card to spend on dining and entertainment. 

You can really cleanup on the 3% cashback on offer and there is no limit to how much you can earn. This is a beautiful strategy.

Strategy 6: Just use the Capital One Savor One Credit Card on all your expenses to earn another 1% cashback reward. It might seem paltry but it does add up I kid you not! 


Capital One Savor One Credit Card FAQs


I'm always getting questions about the Capital One Savor One credit card so I thought it would be useful to create a FAQ on this exceptional cashback credit card. Here are 18 of the most frequently asked questions for the Savor One.

Q1: What credit score do you need for Capital One savor?

The bare minimum FICO score you need to apply for the Capital One Savor One Credit card is 680. To be certain of approval you should aim for a FICO score of 700+ and ensure your credit utilisation is not too high and there are no nasty fraud markers on your credit report.

Q2: Is Capital One savor hard to get?

The Capital One Savor is hard to get because you need a credit score of 680+ as a bare minimum. You need Excellent Credit status to be approved for this cashback credit card. It is hard to get the Capital One Savor but not impossible. Just work on your credit score and within 6 to 12 months you realistically build your FICO credit score to 700+.

Q3: Does Capital One use FICO?

Capital One offers a free credit score to everyone, however, it does not use FICO scores and uses it's own score called Capital One Creditwise Vantage Score 3.0. This is very similar to a FICO score but it is not the same.

Q4: Is Capital One savor a good credit card?

The Capital One Savor is a good credit card and it is especially suited to credit card users who spend a lot of money on dining and entertainment because of the 3% cashback rewards on offer. 

You can earn $150 in cashback rewards when you spend $500 in the first 3 months. You can also earn $500 by referring 5 people to Capital One Savor One Credit Card. You also get 3% on food/entertainment, 2% on grocery and 1% on everything else. The Capital One Savor is a GOOD card.

Q5: Can I upgrade my Capital One card?

You can upgrade your Capital One Savor One Credit Card if your account is in good standing and your credit score has improved over time.

All you have to show is you are managing your money effectively and you can request a upgrade to your credit card. Just call customer service and present your case, you should also ask for a credit limit increase while you're requesting an update and kill 2 birds with one stone.

Q6: Is savor one better than Quicksilver?

Capital One Savor One Credit card is better for people who spend a lot on dining and entertainment. The Capital One Quicksilver is better for individuals who want to earn cashback rewards at a flat rate. Both have their own perks and it depends on the person and their preferences.

Q7: Are Capital One cards Visa or MasterCard?

Capital One is a bank. Visa and MasterCard are card networks which process the payments made. Capital One uses both Visa and MasterCard depending on the card in question.

Q8: What does capital one consider entertainment?

Capital One places the entertainment category under items such as theme park, bowling alley, pool hall, dance club, aquarium, zoo, tourist attraction, concert, buying tickets to a movie etc etc. If you're not sure about a particular category just give Capital One Savor One credit card a call.

Q9: What is Capital One highest credit limit?

Credit card experts point to the Chase Sapphire Preferred cardholders with a FICO credit score of 700 or more have the highest credit limits. 10% of cardholders have credit limits above $20,000, the average credit limit for the Chase Sapphire Preferred card is around $10,000.

Q10: Can I have two Capital One credit cards?

You can have more than one Capital One credit cards. Firstly, you should get approved for your first Capital One credit card. Once you've established you can manage your credit card account effectively you can apply for another credit card from Capital One.

Q11: Does Capital One have a referral bonus?

The Capital One Savor One credit card has a very lucrative referral program. You will get $100 for a successful referral and you can earn up to $500 a year for referring a maximum of 5 people. You can continue referring 5 people every year to earn $500 per year. This is a simple but effective way to earn $500 every year. 

Q12: How do I refer a friend to Capital One?

To refer a friend to a Capital One Savor One Credit card you must log into your credit card account and search for refer a friend. You will find a referral link which you can send to your friend and they must use that link to sign up. It is very simple to find the referral link and it takes about 10 minutes to apply for the Savor One Credit Card.

Q13: How do I redeem my Capital One savor points?

To redeem your Capital One Savor Points you must log into your Savor Account. Scroll down to Redeem Rewards. You can choose to redeem a purchase, redeem a gift or to credit your account. The process is very simple.

Q14: Do Capital One Rewards expire?

Your Capital One Rewards remain active and will never expire as long as your Capital One Savor One Credit Card account remains open. If you are thinking of closing your account you must redeem or transfer your points.

Q15: Which Capital One card is the best?

Most cashback rewards credit card agree the following...

Capital One Venture Reward Credit Card is the best for travel.

Capital One Quicksilver Cash Rewards Credit Card is best for cashback.

Capital One Spark Cash for Business is best for small to medium sized business.

Capital One Journey Student Rewards is best for college goers.

Q16: How often does Capital One increase your credit limit?

You can make a request to increase your Capital One Savor One credit card as ofter as you like, however, Capital One will only increase your credit limit every 6 months. If you've recently had your credit limit increased you much wait for another 6 months.

Q17: Does Capital One increase credit limit automatically?

You must make a request to increase your credit limit for the Capital One Savor One credit card. 

Q18: Which card is better Capital One Quicksilver or platinum?

Capital One Savor One credit card is better for people who like entertainment and eating out whereas the Capital One Quicksilver is better for people who want a flat rate for their cashback spending. Think carefully before you decide which card is best for you.

Thursday, 19 December 2019

Capital One Spark Cash for Business - Earn $2000 in Cashback Rewards (Limited Time Only)

Capital One Spark Cash for Business


The Capital One Spark Cash for business is very popular in the cashback rewards community because it offers some serious cashback. Point blank, the Capital One Spark cash for business credit card should be in your wallet especially if you spend a lot on your business to keep it ticking over.

The Capital One Spark Cash for Business card offers an incredible limited time offer where you can earn up to $2000 in cash bonuses. Most cashback rewards credit card offer sign-up bonuses between $300 and $500, so the Capital One Spark Cash for business is going the extra mile to provide more bang for your buck. In fact, the people over on social media sites such as Reddit and Instagram are going insane over how much you can make in cashback rewards! 



Bonus 1: The Capital One Spark Cash for Business is offering a limited time offer where you can earn $2000 in cash bonuses.

Bonus 2: The Capital One Spark Cash for Business offers 2% cashback for your business on every purchase, everywhere! there are no categories or limits to how much you can earn.

Bonus 3: The Capital One Spark Cash Back for Business offers employee cards which unbelievably earns unlimited 2% cashback rewards on all purchases.


Capital One Spark Cash for Business FICO Requirements


The card really whets my appetite because there is potential to make so much money through cashback rewards.

But before we get into the features of this brilliant cashback rewards credit bards you need to ask what the FICO score requirements are for this card.

To apply for the highly sought after Capital One Spark Cash for business you will need a minimum FICO score of 700. This is the minimum! I would suggest you aim for a FICO score of 720 before you apply and take your credit utilisation down to 30%. 

Make sure there are no adverse markers on your credit report which could harm your application for this wonderful credit card. It's better you wait and be patient and work on your FICO credit score before you apply for Capital One Spark Cash for Business. You won't regret it!


Capital One Spark Cash for Business Features


I love analysing credit cards, I do it for a living. I have analysed the Capital One Spark Cash for Business credit card and I really like what I see.

In this short and concise Capital One Spark cash business card review I show you the features of this amazing card and share some of the strategies you can use to maximise cashback rewards. Seriously though, this is a card that should be in your wallet if you're serious about your business and want rewards for spending money.

Feature 1: The Capital One Spark Cash for Business gives you a $500 cash bonus when your spend $5000 in the first 3 months of opening the cashback credit card account.

Feature 2: Earn another $1,500 when you spend $50,000 in the first 6 months of opening the Capital One Spark Business Cashback card. YES! This is limited time only though so get your skates on...

Feature 3: I really like this feature, you can earn an unlimited 2% cashback for your business on every purchase, you can spend everywhere and there are no limits or categories.

Feature 4: There is no annual fee for the first year on the Capital One Spark. Rather annoyingly though, there is a $95 annual fee thereafter!

Feature 5: The Capital One Spark Cash for business offers free employee cards that earn unlimited 2% cashback on all purchases! You will be making money when your employees spend money on business expenses! Genius Idea.

Feature 6: The Capital One Spark Cash for Business referral program is brilliant, you can refer 9 business people per year and get $200 for each successful applicant, that's $1800! time to book a holiday?? 

Feature 7: Rather reassuringly, the Capital One Spark Cash for Business credit card offers $0 liability if your card gets lost or stolen of falls into the wrong hands. Good to Know.

Maximize Cashback on Capital One Spark Cash


I won't lie, I love earning cashback rewards. I'm also into maximizing cashback rewards in a big way!

The Capital One Spark Cash for Business credit card allows you to earn hefty cashback returns. Over on Reddit savvy personal finance experts are really cleaning up on the cashback rewards. Here are a few of the strategies to earn more bang for your buck with the cashback rewards.

Strategy 1: Sign up for the Capital One Spark and spend $5000 in the first 3 months and bag $500. Easy Peasy.

Strategy 2: Spend $50,000 in the first 6 months to set up your business and get $1500 in cashback rewards from Capital One Spark Cash for Business.

Strategy 3: Make all your employees additional cards on the Capital One Spark and ask them to use this card for their business expenses. You will earn cashback when your employees spend.

Strategy 4: Refer 9 people every year to the Capital One Spark Cash for Business and receive $1,800 in cashback rewards.

Strategy 5: During the expansion of your business is when you can make the most money from cashback rewards. Just remember to use the Capital One Spark Cashback card on all business expenses, even a paperclip, don't leave anything out.

Using these simple but effective strategies you can easily make a minimum cashback of $3800+. Just imagine what you could do with this free money. It's just money earned for spending money!

Capital One Spark Cash for Business FAQ's


I get a tonne of questions emailed to me and left on the comments section on the Capital One Spark Cash for business.

To make life easy, here are some of the frequently asked questions on the Spark Cash for business. If you have any more questions feel free to drop me an email!

Q1: Does Capital One Spark Business Report to credit?

The Capital One Spark Cash for Business does report to personal credit bureau's. If you read the terms and agreement you will see that Capital One Spark reports to both business and personal credit reporting bureau's.

Q2: Is the Capital One Spark card good?

The Capital One Spark is a good card. It is particularly suitable for business owners who are starting out and need to spend at least $50,000 to set things up. 

Also, if you have employees who claim expenses you can earn a lot in cashback rewards. Also, what makes this card really good is you can earn up to $1800 a year with the referral program.

Q3: How does cash back work with Capital One?

One the Capital One Spark Cash for Business credit card you can earn the following cashback.

1. $500 cashback for spending $5000 in the first 3 months
2. $1500 cashback for spending $50,000 in first 6 months
3. $1800 cashback for referring 9 people for Cap One Spark 
4. Get 2% cashback on all business expenses UNLIMITED

Q4: What is a Capital One Spark card?

The Capital One Spark Card is a cashback credit card designed for business owners who are starting out or are expanding rapidly and have high expenses. The Capital One Spark give you 2% cashback every time you make a purchase for your business. 

You also get $2000 in cashback bonuses for a limited time only and have the potential to earn $1800 from the Capital One Spark Referral Program.

Q5: How do I redeem my Capital One Spark rewards?

To redeem your Capital One Spark rewards you must log into your account. Below the image of your credit card you will see the rewards tab, this is next to the dollar figure which shows your current reward balance. 

You have to click on the dollar amount and request how you want this to be redeemed. You can either sent the money to your bank account, get a check or use the cashback reward to pay off a balance on your Spark Credit Card.

Q6: Does Capital One have a 2% cash back card?

Capital One does indeed have a cashback rewards credit card which offers 2% in cashback rewards. The Capital One Spark Cash for Business offers 2% on all business related purchases and there are no categories or limits to be concerned about.

Q7: Does Capital One have a referral program?

The Capital One Spark Cash does have a referral program. You can refer 9 business owners every year and earn $200 per referral. Potentially you could earn $1800 in cashback rewards if you fulfil your referral quotas.

Q8: Does Capital One have a business credit card?

Capital One does have a business credit card called Capital One Spark. This offers 2% cashback on business expenses and there are no limits of categories. For a limited time only the Capital One Spark offers $2000 in cashback rewards. You can also earn up to $1800 for referring 9 people to Capital One Spark.

Q9: Can I upgrade my Capital One card?

You can upgrade your Capital One Card to the Capital One Spark Cash for business. You must have a record of a well maintained account. All you have to do is contact Capital One and ask them for a upgrade and an increase in your credit limit.

Q10: How much does Capital One charge for cash withdrawals?

You can get a Capital One cash advance by making an ATM withdrawal. You'll be charged a 3% cash advance fee ($10 minimum) for each transaction, along with any ATM fees. You'll also be charged a cash advance APR as much as  27.99%.

Q11: What is Capital One spark cash for business credit limit initially?

The minimum Credit Limit for the Capital One Spark Cash for Business is $500. However, depending on your FICO credit score and credit utilisation you could begin with a credit limit of $3000 to $5000 once you've been approved for the cashback rewards credit card.

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