Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)?

Which Capital One Business Cards Report to Your Personal Credit?

On MilesTalk, I’ve previously written about the topic of Capital One business cards and which report to your personal credit profile.

There still seems to be some confusion, though, and I want to make things extra clear here.

First of all, there are two reasons to care if a business credit card, which rarely reports to your own personal credit, actually does. And it can be a rude surprise!

• It can hurt your credit! Businesses tend to have higher credit balances when a statement closes when compared to a personal credit card. Having your business expenses report as a balance owed on your personal credit report, it will generally have a negative impact on your credit.
• For those interested in applying for Chase credit cards, the Chase 5/24 rule (where you won’t be approved for a new Chase card if you have opened 5 or more personal credit cards in the last 24 months) will count a business card. that reports as a personal card.

So let’s look at which Capital One business credit cards do NOT report to your personal credit file, and which do.

Important note: Even the cards listed below that do not report to your personal credit WILL report to your personal credit if you are delinquent in your account. The below assumed you always make your required payments on time.

These Capital One Business Credit Cards Do NOT Report to Your Personal Credit

• Capital One Venture X Business
• Capital One Venture Business
• Capital One Spark Cash Plus
• Spark Cash cards that earn 2% rewards and have a $95 annual fee opened after October 2019 and before the Spark Cash Plus was introduced in 2021.

How to apply Card Details

🔔 Notify me of bonus offer changes

Capital One Venture Business

(4.43) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$95

⌛ Limited Time Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

• Earn unlimited 2X miles on every purchase, everywhere—no limits, no category restrictions, and miles never expire.
• Up to $220 in credits: $50 annual travel credit through Capital One Business Travel, up to $50 statement credit on purchases at qualifying advertising or software merchants, plus up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
• Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• Flexible redemption: Transfer miles to 15+ travel loyalty programs or redeem instantly for any travel-related purchases, including flights, hotels, and rideshares.

• Earn unlimited 2X miles on every purchase, everywhere—no limits, no category restrictions, and miles never expire.
• Up to $220 in credits: $50 annual travel credit through Capital One Business Travel, up to $50 statement credit on purchases at qualifying advertising or software merchants, plus up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
• Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• Flexible redemption: Transfer miles to 15+ travel loyalty programs or redeem instantly for any travel-related purchases, including flights, hotels, and rideshares.

Pros

• Unlimited 2X Miles on purchases with no cap and a low annual fee
• Capital One Miles transfer to a nice range of air and hotel partners
• Available Statement credits can be worth more than the annual fee

Cons

• No bonus categories outside of bookings via Capital One Business Travel

Annual Fee: $95

Foreign Transaction Fee: 0%

Min Credit Score: Excellent (800-850) *

It’s worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you’d be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1.

The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One’s air and hotel transfer partners when calculating a 1.6 cent per point value.

We also have a Guide to Capital One Miles.

Point Value:

$0.016

APR: 24.49% (Variable)

Balance transfer fees: Balance transfers are not available on Venture Business

• 2x-5x

  Hotels

  
  Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 2x-5x

  Car Rentals

  
  Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 2x

  Everything Else

These Capital One Business Credit Cards DO Report to Your Personal Credit

• Capital One Spark Cash Select
• Capital One Spark Miles for Business
• Legacy 2% Spark Cash cards opened before October 2019 (lots of you have these! – the only thing you can do is open a new card rom the list above and stop using your old one)
• The new $95 Spark Cash 2% Cash Back card.

All Business Credit Cards that Do Not Report to Personal Credit

It can be easy to forget just how many powerful filters we have built into our Card Explorer tool, designed to help you filter by only those features, benefits, or spend categories you care about to help make your decision super simple.

Here is a link to the Card Explorer pre-filtered with 19 business credit cards that won’t report to your personal credit and won’t affect your 5/24.

Thoughts?

Ask us on the MilesTalk Facebook group!

Dave Grossman

Previous

Transferable Credit Card Points: What You Need to Know

Dave Grossman

Next

The New Capital One Venture Business Card

Dave Grossman