No idea whether it reports to personal credit bureaus or not, but they are sending some pretty attractive sign up offers for Spark Cash Select to real business owners. I was sent mailers for $700 back after $6000 spend at both my offices. With 1.5% cash back and zero annual fee, it was a no brainer to apply and make quarterly tax payment and then sock drawer it. Approved in two hours at 5/24 with a high $30K limit. Have cycled through personal Venture cards few times in past but no cap one account currently and first Spark card.