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I can't decide among the Chase Ink business card, the Cap One Venture Business Card and the American Express Starwood Business. Which one should I choose?

By , CardRatings contributor
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Question: I can't decide among the Chase Ink business card, the Cap One Venture Business Card and the American Express Starwood Business. Which one should I choose?

Answer: First of all the Chase Ink business cards offer several different cards and each of them is great, but each offers different features. The Capital One® Spark® Miles for Business is also very good and offers even more choices for whatever your needs may be. And the Starwood Preferred Guest® Business Credit Card from American Express is yet another good choice, but only if you frequent Starwood and/or are interested in frequent flyer miles. All of these cards can serve your purposes, depending on what those particular purposes are.

Of course, even before you think about choosing from among them, you first need to determine your credit worthiness. Do you have a top notch credit score, or is that a concern?

Assuming you are eligible for these cards, then the next step is to ask yourself what you want most from your card: how will it best serve you. Are you seeking rewards, cash back, miles, or something else? Will you use your card for hotels, dining, travel or other interests? Will you have additional employees who need a card, and do you need accountability for them? Are you specifically interested in a Starwood package? Do you have any special feelings toward Chase, Capital One or American Express?

Once you have answers to these questions, then you can fine tune your selection by comparing other issues of interest. Which has the better purchase APR? Are there annual fees? Will you be needing balance transfers or foreign transactions, and what are the associated fees for those transactions?

You have started down the right path selecting a few different business cards. But now you must take the next step and determine which ones best suit your own needs. That is something I can't do for you, but hopefully you now have a better idea of how to reach that decision by knowing which questions to ask yourself.

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