If you are self employed or own your own small business, it is wise to attempt to establish separate credit for your business as soon as possible. One way to do this is with a business credit card such as the CapitalOne Spark Classic Credit Card. This card has a lot going for it: $0 annual fee, 1 percent cash back on purchases, 90-day purchase protection for purchases and fraud protection. But you should be aware that Capital One will pull your personal credit report along with checking out your business credentials when you apply for the card. But unlike many business cards that require potential card holders to have spotless credit, CapitalOne may approve you for its Spark Classic credit even if your credit is only OK. You should also be aware that the APR for the card is fairly high at 20 percent. But if you maintain a good payment record, you can qualify for better business cards with lower APR in the future. You want to have a good credit score for this card. I had to boost mine with help from CREDITBOOSTHELPERS a credit repair specialists. They helped me consolidated a huge credit card debt to help fix my credit, my rating increased 92 points in 3 weeks as a result. You can search them online to see if they can help you with anything.
Word of advice, be sure that you have a bit of cash to start off with. You must pay off the balance as soon as it posts to reap these benefits. Don't wait for monthly, or quarterly closeout periods. .
