Well, I tried to leave a review here:
https://www.nerdwallet.com/card-details/card-name/Capital-One-Spark-Cash#cardholder-reviews
They want to be able to pull vast amounts of social data if I post from google+, facebook, twitter, etc. WordPress and blogger functions simply don’t work. Even if they login, they just take you to your admin page… so here is my review:
3/5 stars
Poor Business Card Practices
We have an account with several cards for our business and a primary user. We had an employee go to another city for a trade show. The charges from that card were deemed fraud and shut down ALL OF OUR OTHER CARDS. This was unexpected and we had to deal with a lot of vendor phone calls that day as we straightened the situation out. There was no fraud and shutting down and entire business credit line for one card number is a poor practice.
In a separate incident, we had actual fraud on one card. We made sure Cap One locked only that one card. They went to re-issue it and for some reason also canceled another card on our account without any notification. When we started getting calls from vendors we called and found that Cap One had canceled the other card by mistake. They also re-issued the card in their standard process rather than the expedited process appropriate for a business our size. 4-6 day handling, then shipping. Issues like this in the past had a replacement card in our hand the NEXT DAY with our competing Amex cards. Cap One expedited the process but could provide no other resolution. Reinstating the old card would have been ideal and saved us time as it was valid, with no fraud, and was already entered into our vendors recurring billing systems.
Lastly, the rewards are poorly managed. We like to take the rewards and put them in a separate account. The only way they offer to do this is by check. We get checks at $200, so we receive several per month. Some have not arrived, we have to keep careful track of these checks mailed by first class mail and this adds unnecessary overhead. ACH or some form of transfer would be an obvious improvement.
We only stay because of the benefits compared to other cards in our purchasing practices. Their poor business handling practices make this hard though as Amex is worlds better at every level other than the rewards offered.