Capital One® Business Platinum with No Hassle Cash(SM)

0% APR on purchases until December 2009 0% APR on transferred balances until December 2009 Earn 1% cash back on everything you buy from day one Get a 25% bonus each year on the cash you earned the previous year No Hassle Cash is easily and quickly redeemable online or by phone No Annual Fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* until December 2009* As low as 15.67%(V)* None* Yes* Above Average*

Review: Capital One® Business Platinum with No Hassle Cash(SM)

Type of credit needed: Above Average Credit

Type of card: Business/Cash Back

Issued by: Capital One®

Overview: This card may be a good choice for business owners with above average credit. The rewards program allows cardholders to earn cash back every time they make a purchase with their card. In addition, a bonus rebate is issued at the end of each year on all cash earned during the preceding year. There are no rebate limits, no expiration dates, and no minimum earning levels to meet before rebates can be claimed. Rebates can be redeemed for cash or gift cards. This card features high spending limits, no annual fee, no balance transfer fees, and a great introductory APR for purchases. The APR after the introductory term is reasonable, but not extremely competitive. Cardholders can also request cards for employees at no additional cost, and a year-end summary to monitor spending and expenses is also provided. Standard benefits like travel insurance and auto rental insurance are also included.

Pro and cons of the card:

Pros:

• Earn rebates on all purchases
• Bonus rebates are issued for cash back earned during the previous year
• Redeem rebates for cash or gift cards
• No rebate limits
• No expiration dates on earned rebates
• No minimum earnings required to claim rebates
• High spending limits
• No annual fee
• No balance transfer fees
• Very low introductory purchase APR
• Additional employee cards provided free of charge
• Free year end account summary
• Benefits like auto rental insurance are included

Cons:

• High late payment and over the limit fees
• APR is not ideal for those who carry a balance

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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