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        王鸥身世

        王鸥身世Full Disclosure:王鸥身世 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        If you own a business, you understand the need to keep personal and business expenses separated and the importance of having an organized system to keep track of those expenses. Ideally, you’ll also have a system for earning rewards on every purchase your business makes. All of these reasons make a good case for your operation to have at least 1 business credit card.

        Capital One, traditionally known for their personal credit card marketing jingle, “What’s in your wallet?” also issues a respectable collection of business credit cards that, just like their personal cards, deliver earnings on every purchase you make.

        Known for their lack of complexity, Capital One credit cards offer simple earning structures, easy redemption options, and minimal bells and whistles when it comes to benefits. Don’t let the simplicity fool you, however, as the right Capital One business credit card could be an appropriate fit for your business.

        Let’s take a look at the business credit cards Capital One has to offer and find out if there is a gem in here that makes sense for your business operation.

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        With unlimited earnings, every expense your business makes will be rewarded when you use a Capital One business card.

        Whether you use your earned miles for flights, hotels, or other travel expenses, these cards can help reduce the cost of travel.

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        A business with an upcoming large purchase or purchases could utilize the 王鸥身世0% APR and finance the expense with no interest charges.

        The CapOne Spark Miles Select card is best for the business owner who does not want to pay an annual credit card fee, would prefer a simple earning structure, and wants an easy process for redeeming their miles.

        The business owner should have sufficient cash flow to pay off the balance each statement period to avoid high interest charges.

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        Although Capital One rewards are referred to as miles, they are not frequent flyer miles but simply redeemable points.

        Fortunately, the miles earned on the Capital One Spark Miles Select card are easy to redeem with 王鸥身世Capital One’s Purchase Eraser王鸥身世 and the ability to transfer miles to airline partners.

        You can purchase travel from any travel provider using your Capital One Spark Miles Select card; once the charge shows up on your card statement, just redeem your miles online for a credit against your purchase.

        You can also call the Capital One Rewards Center and book travel directly using your miles.

        Capital One miles are worth one cent each towards travel for either of these 2 options. For additional potential value, 王鸥身世you can transfer your Capital One miles to airline transfer partners王鸥身世 and book award tickets.

        There are other options for redeeming your miles such as statement credits for other purchases, experiences, or gift cards. However, the value you receive could be much less than 1 cent per mile.

        王鸥身世Bottom Line: 王鸥身世Capital One miles are easy to redeem for travel via Purchase Eraser or through the Capital One Rewards Center. Additional value may be realized, however, by transferring Capital One miles to airline partners.?

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        Cash-back rewards are as liquid as you can get and make it easy to reinvest the funds directly back into your business. Capital One has a few business cards offering cash-back rewards.

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        The CapOne Spark Cash Select card is best for business owners who have lower spending and do not want an annual fee.

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        If your credit is less than perfect, the CapOne Spark Classic card may be a good choice as it does not require an excellent credit history for approval. You’ll also have the benefit of earning cash-back rewards without having to pay an annual fee.

        You may also be starting out in business and need to make several purchases to get your business up and running. The CapOne Spark Classic card?offers 0% APR for purchases that would allow you to repay for those purchases over time without incurring interest charges.

        You should be able to pay off your card balance each month, however, as ongoing interest rates on the card are high.

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        Your cash-back rewards can be redeemed at any time for any amount. When redeeming your cash-back for a statement credit or check, you can expect to receive a full 1 cent value for each 1 cent in cash-back you have in your account. You may receive less value for other redemptions such as gift cards.

        王鸥身世Cash-back does not expire as long as your account is open.王鸥身世

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        If you plan to purchase a GM vehicle in the future and your business spends at GM dealerships, gas stations, restaurants, and office supply stores, you may benefit from the CapOne BuyPower Business card.

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        In order to maximize earnings, the business must spend a lot on gas and have vehicles that get serviced often at GM dealerships. The business would also spend a lot on dining out, and at office supply stores.

        In order to redeem earnings for maximum value, the business must purchase a new qualifying GM vehicle.

        A business with a large purchase or purchases could utilize the 0% APR introductory offer to finance the repayment without interest charges.

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        • Free employee cards
        • Customized spending limits for each card
        • Downloadable expense reports
        • Annual summaries for tax purposes
        • Ability to immediately track expenses
        • Zero fraud liability

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        Capital One business cards that are issued as Visa Signature cards come with the following additional benefits:

        • 王鸥身世Auto rental collision damage waiver王鸥身世 — receive primary car rental coverage when used for business purposes (secondary for personal use) for damage, loss of use, and theft.
        • 王鸥身世Emergency travel assistance王鸥身世 — provides assistance with referrals for legal, medical, translation, lost luggage, and more.
        • 王鸥身世Roadside assistance王鸥身世 — receive 24/7 assistance services for towing, emergency gas, flat tire changes and more. The cardholder is responsible for actual services.
        • 王鸥身世Travel accident insurance王鸥身世 — up to $250,000 in benefits for accidental death or covered severe injury when traveling on a licensed common carrier.
        • 王鸥身世Lost luggage insurance王鸥身世 —- provides excess coverage of up to $3,000 for checked or carry-on luggage when damaged, lost, or misdirected by the common carrier.
        • 王鸥身世Price protection王鸥身世 — covers eligible items for up to $500 per item if the price decreases within 60 days from the purchase date.
        • 王鸥身世Purchase security王鸥身世 — covers eligible items for 90 days from purchase date for theft and damage, up to $10,000 per claim/$50,000 per cardholder.
        • 王鸥身世Extended warranty protection王鸥身世 — extends the manufacturer’s warranty on eligible items for 1 additional year on manufacturer’s warranties of 3 years or less.

        Note that this is a summary of benefits and protections. Please review the benefits guide for Capital One Visa Signature business cards for more information on coverage descriptions, terms and conditions, and a complete list of card benefits.

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        Capital One business cards are likely to be issued as a Visa Signature card, but you could also receive a Visa Platinum. Which card you receive will depend on your creditworthiness as determined by Capital One.

        Although initially your personal credit may be used to determine approval, Capital One business cards report to business credit bureaus such as Experian, Dun and Bradstreet, and the Small Business Financial Exchange. This makes it possible to 王鸥身世build your business credit王鸥身世 via Capital One business cards.

        Take your Capital One business card along when you travel as there are 王鸥身世no foreign transaction fees王鸥身世 charged on any of the Capital One business cards.

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        You’ll need excellent credit to get approved for most Capital One business credit cards and it’s important to select the one that gives you the most value.

        If your business involves a lot of travel, for example, you may want to consider a premium business travel rewards card such as The Business Platinum Card? from American Express.?The card comes with far more 王鸥身世luxury travel benefits than any of the Capital One business cards.

        If your business spends a lot on airline purchases, there may be better cards that offer travel benefits.

        If your spending doesn’t fall into standard business bonus spending categories such as office supply stores, 王鸥身世shipping, internet, phone, dining, or gas stations, you may fare well with a Capital One business card that offers 王鸥身世2x unlimited earnings 王鸥身世on every purchase.

        In many cases, a combination of more than 1 business credit card becomes an appropriate solution to maximize earnings, meet your redemption goals, and receive the desired benefits.


        The information regarding the Capital One? Spark? Classic for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.?


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        The best Capital One business card will depend on how much your business spends and the category of your biggest expenses.

        If you spend more than $20,000 per year, you are better off paying an annual fee and getting either the Spark? Miles or Spark? Cash card which both offers unlimited 2x earnings on all purchases.

        If your business spends a lot on travel and you appreciate luxury travel benefits such as airport lounge access, hotel elite status, and travel purchase statement credits, a premium travel rewards card may be a better fit.

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        Yes, Capital One miles can be transferred to several airline partners and then redeemed for award tickets.

        The process is simple as you just log in to your online Capital One credit card account and initiate the transfer. Once the miles transfer is complete, the Capital One miles become frequent flyer miles that can be used to purchase award tickets.

        The process is not reversible, however, as once you have transferred Capital One miles to an airline partner, they cannot be transferred back.

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        Neither the Capital One miles nor the cash-back you accumulate in your account expire as long as your account is active.

        If you close your account, any unused rewards will be forfeited.

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        The official policy is that Capital One allows you to have a total of 2 business credit cards at 1 time.

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        Redeeming your Capital One miles is quite simple. You would first log in to your online Capital One account and access the Rewards Center.

        In the Rewards Center you can select Purchase Eraser to use your miles at 1 cent each as a credit against previous travel purchases for up to 90 days after the purchase posted to your account.

        You can also call the Rewards Center and use your miles to purchase travel directly.

        Both options deliver a value of 1 cent per mile.

        To receive potentially greater value, you can transfer your Capital One miles to airline partners and use them to purchase airline award tickets.

        Christine Krzyszton

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        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        王鸥身世Disclaimer:王鸥身世 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 王鸥身世王鸥身世Click here to see a list of advertisers that we work with.王鸥身世