• Current cards:
Capital one Quicksilver $1600 limit (opened 2 years 3 months ago)
Capital one Spark (under parents business account) over 1 year (not sure if this one counts) 25,000 limit
• FICO Score: . 790
• Oldest account age: 2 years 3 momths
• Income: roughly 250,000 (continues to rise month to month)
• Average monthly spend and categories:
Personal
• dining $600
• groceries:200
• gas: $100
• other: $100
Business
$35,000-45,000+
• Open to Business Cards: yes
• What's the purpose of your next card? Have high costs for my real estate investments and need to pay materials and contractors with card
• Do you have any cards you've been looking at?
Capital one Spark 2% unlimited
Currently have around $800,000 invested into real estate investments in 2026, and will probably double that by the end of the year.
Have a very high cash flow and great credit score, but capital one denied me for the 2% unlimited today lol.
Not sure what I should do, just opened an LLC cause I want to have all my properties seperate. My brother has lower credit score than me and they approved him for the 2% cash back but it doesn’t have the $2,000 bonus’s if i spend 30,000 first month.
Idk what else would yall recommend i do? Can i call capital one and get a manual look at my application instead of a robot?
I don’t want any annual fees and minimum 2% cash back
Need business card for new LLC (real estate)
byu/Zeke_the_Sleek_ inCreditCards
Posted by Zeke_the_Sleek_
3 Comments
Try Chase ink business unlimited credit card. It’s 1.5% Cashback on everything and $0 annual fee. Plus the signup bonus
I am currently using the amex blue business plus and like it but you are going to quickly hit the limit of 50k a year. I believe you can open multiple.
Chase unlimited is 1.5% back
Some like the venture x biz for a 2x catch all
Wild card approach is just stack biz plat subs lol and rake in points that way.
I own a few real estate LLCs as well.
I use the Amex Platinum and BBP (Blue Business Plus), however, that’s for points.
I also have the Wells Fargo Signify (but doesn’t get used at all). It’s unlimited 2% on everything.