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 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.
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?
Capital One Business Credit Cards Discussed Above That Do Not Report to Personal Credit
Frequently asked questions
Do Capital One Business cards report to personal credit?
Some do and some don’t! This guide explains which do and which don’t as well as why it matters.
