Thanks for looking.

Our mechanical contracting business uses credit cards to pay for things like company fleet gas, job materials, and tool purchases.

We do about $20k per month in business on credit cards.

We currently use Capital One Spark with 1% cash back on all purchases.

Over the last 5 days they have locked down our cards twice for “suspected fraud”, once for an employee that tried to use his card at a gas station he has frequented literally 100x to fill his company truck in his hometown, the second when I attempted to make a $1500 purchance for job equipment online with a vendor we have purchased from at least 12x in the past. I spoke with a rep today and explained that their fraud protection is now adversely affecting our business and if it happens one more time I’m canceling the account and taking my business elsewhere, and I’m serious about voting with my wallet. They gave me the standard canned customer service response and said they couldn’t do anything about the flagging system.

So, what’s a good card to switch to? I’ve about had it with Capital One.

That’s the thing, we don’t spend more on one or the other. It’s probably equally split between fuel and job materials.

I’ve looked at the ones that give you 2% cash back on one category but found it didn’t really fit our spending habits.

I’d say it’s probably eaqually split between fuel and materials, but the materials is a ton of different things that don’t fit under one category.

All our major vendors accept credit cards but we use our open accounts instead, for better pricing.

$20k/month? Are you paying it off each month? If yes, look into the Amex Business Gold card. I use it for food, fuel, and as many other expenses as I can, and the points add up fast.