Everything About Credit Cards

Are you scouting the market for the best business credit card that will help you finance your business venture and also help manage other employee expenses? Well, once you begin reviewing Capital One credit cards, the leaders in the credit card arena, there’s no way you’ll feel the need to look any further.

Consumers of these cards enjoy a wide array of features, like the free itemized report, purchase security, extended protection and many more. But the problem arises when you have to choose the Capital One card that best fits your requirements. The decision is a tough one because the array of choices they make you available can actually make your head spin, splitting you in several directions that all seem good enough. To help you make this decision easier for you, I’ve listed below my top 3 choices of Capital One business cards for 2012:

1. 1.      Capital One Spark Cash For Business

This one has to be one of the most outstanding business credit cards in the market at present. The offers on this card include the following:

• 2% cash back on every purchase.
• $100 bonus cash back on purchases worth $1000 in the first 3 months.
• No credit card fee for the first year.
• Credit card fee is as low as $59.
• Lifelong validity of the cash back points.
• $50 bonus cash back on adding an employee credit card within the first 60 days.
• APR is as low as 13.9% on all purchases and balance transfers.

1. 2.      Capital One Spark Cash Select For Business

This business credit card comes as an upgraded version of the previous one. The offers that you will be enjoying while this credit card include the following:

• $0 annual credit card fee.
• Additional employee credit cards will also enjoy the $0 annual credit card fee.
• You will earn 1% cash back for all purchases made using the credit card.
• Your accumulated cash back amount will receive a 50% bonus after every year.
• Your cash back points will neither have an upper limit, nor will they have any expiry date.
• You will enjoy 0% APR on all purchases and balance transfers till January 2013.
• You can redeem your accumulated cash back points in the following flexible manner:

ü      Check at the end of one year from the day of issue of the card.

ü      Gift cards starting from a minimum of $20.

1. 3.      Capital One Spark Miles Select for Business

The Capital One Spark Miles Select for Business happens to be yet another winner business credit card from the stables of Capital One credit cards. The hosts of benefits you will be enjoying include:

• $0 annual credit card fee for you and for any additional employee credit cards.
• You will earn 1 mile from every purchase of $1 using your credit card.
• Your accumulated miles will receive a 50% bonus at the end of a year.
•  You can redeem your accumulated miles for the following:

ü      Travel expenses.

ü      Cash in the form of an annual check.

ü      Gift Cards.

ü      Other merchandise.

• Your accumulated miles come with no upper limit. Nor does it come with an expiration date.
• All your purchases and balance transfers till January 2013 will enjoy a 0% introductory APR.
• You can set limits for additional employee cards and also monitor their expenses.

You can also take a look at the Capital One Spark Classic for Business Credit Card in case you are looking for more options!

Brenda Lyttle is a finance expert with 5 years of experience under her belt. She deals in credit card issues and swears by the benefits of the top Capital One cards, for she believes them to be the best in the market at present.

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