IF you are just starting out in business, or have no credit history, this is a good starter card. However, it fails as a true business card, with a very low credit limit and increases auto denied. After 2 years with our card in good standing, a credit line increase was denied due to "a history using too much of your available credit limit" Well, it's only a $500. limit, and one supply order for our business may be $450. + the card has always been paid off, never over limit, with no late payments; AND the main reason to increase to limit is to decrease the utilization (which, btw, is presented on your personal credit history, not your business credit)! I called to speak to a representative after the increase was denied, and low and behold that "department" (credit line increase ) does not accept phone calls from customers. We have a Chase business card with 20X this limit, lower interest rates; and actual people on the customer service line 24/7. Sorry Cap 1, this card doesn't make the cut as a business card.