You can pick your own payment due dates with a Capital One business credit card, allowing you to better align your payments with your deposit and billing schedules. There is the option for auto-pay to simplify matters with recurring transaction assistance to help you stay on top of all of those monthly billing charges. Accounting is made easy with the addition of detailed transaction and reporting tools. Cardholders even receive roadside assistance and extended warranty protection on card purchases. However, this is still the matter of which credit card is the best Capital One business credit card for your company. ZDNet can help. This is a card for people with excellent credit. Instead of requiring a preset spending limit, Capital One automatically adapts to your spending patterns and credit profile. The Capital One Spark Cash Plus business card has no APR as long you pay your balance in full each month. If you fail to do so, there is a 2.99% late fee that applies to your balance. The annual fee is $150 each year. Pros
No APRUnlimited 2% cash backAnnual spending bonus
Cons
$150 annual feeHigh bonus thresholdFull balance must be paid monthly
Read also: Capital One Spark 2% Cash Plus card review It carries 1.5% cash back without any restrictions - there are no minimums to earn, and there is no required redemption date, so you have the extra peace of mind of no expiration date. You will need excellent credit and are required to pay your balance in full, but there is no annual fee to help you save some money. Pros
No annual feeFlat cash back rewards
Cons
Limited cash back
Cannot transfer rewards
This card has a higher variable APR of 25.74% but Capital One welcomes you with 50,000 bonus miles when you spend $4,500 or more in the first three months of having the card. While the card carries no annual fee for the first year, be prepared to shell out $95 each year after that. To qualify, you will need good to excellent credit. Pros
Unlimited milesNo redemption restrictionsGlobal Entry/TSA credit
Cons
Annual fee after first yearNo intro APRHigh APR
In searching for the best Capital One business credit card for your company, these are some factors to consider.
Type of card: From rewards cards to travel cards, there are several different types of credit card accounts that are aligned with different financial goals.Rewards: Think about the kind of rewards you would use the most, whether it is cash rewards or airline miles. APR: Your APR can vary significantly from card to card, so consider how much interest you will end up paying with each card. Generally, the lower the APR, the better.Intro period: Many cards also have a special introductory offer where you can earn extra travel miles or receive a lower APR for a specific period.Credit score: Your credit score will play an enormous role in qualifying for a credit card. Before you apply, consider what credit score is typically needed to qualify.
These are our expert suggestions for your Capital One business credit card.
Check out our guide to help you pick the right business card, then visit our guides for the best business credit cards for startups, the best business credit cards for bad credit, and the best small business credit cards.
