Tag Archives: manufactured spending

New $1,000 Public Credit Card Bonus Offer



Capital One Spark Business Credit Card

Capital One Spark Business Card: Direct Link to $1,000 Offer


Wow, that was fast. Congrats to those who got it!

I have a “lesser” affiliate $500 Capital One Spark Business Card offer, which I “unbolded” for the time-being. You’re welcome! 🙂

Per Doctor of Credit who broke the story in this Reddit thread, there is a new $1,000 bonus from the Capital One Spark Cash Business card with a $59 annual fee waived for the first year. For those new to the game — yes, you can apply for a business credit card even if you don’t have an official business (eBay or garage sale, freelance, or any kind of side gigs qualify). Use your Social Security number instead of the EIN number if you don’t have it, and choose Sole Proprietorship  when asked about the legal business structure.

Here are other Capital One “idiosyncrasies” you might want to know.

  1. Capital One sends a hard inquiry to all three credit bureaus.
  2. They are very sensitive to recent inquiries and churning, although there don’t seem to be any hard and fast rules, yet.
  3. They allow no more than 2 credit cards in 6 months, including business cards.

With all these caveats out of the way, this bonus is terrific, although the $10,000/3mths spending requirement is not.

Capital One was the bank that started it all

In 2011, Capital One Venture (and Alec Baldwin) went out with a huge TV promotion: they would double the number of miles you had accumulated with one of your eligible frequent flyer miles programs to the maximum of 100,000 miles. Since Capital One miles are “fake miles” (they are just cash back, in reality), that offer is very comparable to the bonus offered by the Capital One Business card today.

With one exception. Back then, the eye-popping spending thresholds of today were unheard of. The Venture promo required you to spend… $1,000 in 90 days. Oh, that sweet innocence of credit card issuers of yesteryear.

$1,000 is a lot of dough

Go for this card if you stand a good chance of getting it. It’s worth the risk. Even though you have to manufacture $10,000 (use Plastiq or Venmo if all else fails), it’s still worth it. Push comes to the shove, you will pay a 2.5% – 3% fee, which brings your total haul down to $840 – $900, because the card will earn you 2% per dollar.

If spending $10,000 is too rich for your blood, there is a smaller Capital One Spark Business credit card $750 offer after spending $7,500 in 3 months.

I’m not applying, but my cousin Timmy is

Here is a cautionary tale of how bad it is to be lazy. I applied for Capital One Spark Business years ago. Got my $500 bonus. Have used the card… almost never (my version is a no-annual-fee 1.5X card, and there are better options out there). But instead of canceling the card, I just kept it in the sock — and here we go. Can’t apply. Will, however, cancel the card and see how long this offer lives.

Timmy, on the other hand, has never had a business relationship with Capital One, and even though his side business doesn’t produce huge income, he’s gone easy on new applications in the last year or so. We’re hopeful.


Great bonus! Read the Reddit thread first. Then apply if you stand a good chance of getting it.





Will the Extension of the Chase 5/24 Rule Change the Way You Fly?

  Per Doctor of Credit, the Chase 5/24 rule has gotten extended to most of Chase cards, including co-branded products, as well. The rule is ridiculous, no matter how you look at it. Counting authorized users is utterly counter-productive and a bit sleazy, too. You encourage your cardholders to add authorized users every step of the way,Continue Reading

Here Is the Best Credit Card Bonus Ever!

  Only on Reddit, ladies and gentlemen, where else? If you took this innocent clickbait seriously, shame on you! You shouldn’t expect any best credit cards offers ever. At least until the next economic downturn. Although, between you and me, some of the current offers are pretty damn good! As far as best credit cards go, theContinue Reading

Hard Pull? An Update About My Yesterday PayAnywhere Post

  Another Update: Applying for PayAnywhere reader is safe after all. Soft pull confirmed! Yesterday I posted about a possible free $1,000 processing offer you might get from PayAnywhere credit card reader some time after you’ve ordered the device. Today I received a disturbing comment from one of my readers. Pay Anywhere just pulled report from Experian. DidContinue Reading

Transcon for $150, Waived Charges for $1,000 in Manufactured Spending and more

Hi everyone, That was a hell of Sabatical. What a trip! I really did it to myself this time. 7 days, 7 flight segments, 2 destinations. I have to admit—it was tiring even in business class. In most cases, my layover time was about 40-45 minutes. At AMS, it was nothing short of a zoo, andContinue Reading

I’m Back from Paris, What Did I Miss?

We flew non-stop from JFK in new lie-flat business class on American. Pretty good! The crew on the way there was OK, but on the way back—excellent! The food was decent, especially fish, although the steak was a little tough. The bed is a weak link. It was a little narrow for me, which was toContinue Reading

Free $1,000 Swipe from Amazon Local Register

Just a quick shout out. Amazon Local Register (a poor reincarnation of Amazon payment) offers a $25 credti on your swipe between now and August 31. Amazon already charges less than others at 2.5%, so if you have waited for an excuse to get on the program, this might be the time. New Customers only. CustomersContinue Reading

Deals, Miles, Points, Credit Cards — Weekly Recap

It’s been a good week in general. Here are the highlights. $2,000 BofA Business Banking Bonus This Chasing the Points write up is the most interesting deal I’ve read about last week. Because no matter how we are enamored with miles and points, cash is still the king. Open Bank Of America Small Business Accounts And ReceiveContinue Reading

A Few Deals, Miles, and Points to Wrap Up the Week 6/7-6/14

Been a bit busy (and lazy) lately, but I am working on a few pieces and doing some research that, I hope, you might find useful. In the meantime, here are a few interesting deals you might find useful, too. How do I know? I personally find them interesting, and I am not a couponContinue Reading

Learn How to Waste a Silly Amount of Miles (And Find the Right Excuses, Too)

  Even though I’ve been funding my travel habit with miles and points for the last 15 years or so, I only took my first premium-class flight in 2010 or something. And it was a domestic flight, too. My wife and I flew to New Orleans for Mardi Gras on American Airlines. My wife doesn’t accompanyContinue Reading

Copyright © 2024 lazytravelers.net. 2013-2020 All Rights Reserved. 


Get every new post delivered to your Inbox

Join other followers