December 22, 2008
 A cash back credit card used to be very unique, but these days they are becoming more and more common all the time. This is because most credit card users are aware that there is a lot of competition out there between credit card companies, and they want to get the best card for them that offers the most perks that they can benefit from. There are a lot of credit card options out there, but more and more people are filling out the cash back credit card application because it’s a really nice perk! You don’t have to have perfect credit and you don’t have to spend thousands a year in credit card purchases to benefit from a credit card cash back offer.
If you already have a cash back credit card and you would like a cash back business credit card you’ll find that there are many different options. The percentage of cash back will vary from credit card cash back offer to offer. It’s a good idea to shop around for the best cash back credit card for your business based upon how often you use your credit card. Many of the credit cards have annual fees and the like that you may not want to take on if you do not use the credit card all that often. It is not unusual for business owners to find a 2% cash back credit card that will allow them to see a nice kick back for every purchase that they make. A 5% cash back credit card can also be found, and this can be really nice if your business makes big purchases for supplies, travel, or more. While 5% doesn’t sound like all that much, over the course of a month or a year you’ll find that 5% of all of your purchases really adds up!
Of course a cash back credit card is not just for business owners. Most credit card users will find that a cash back reward credit card is a great idea. Even if you only get the cash back on purchases over a certain dollar amount, the savings will add up over the course of the year and will be well worth it. Even a cash back credit card that offers just one or two percent back is nice. Think about it – even with a credit card cash back offer that is at 1%, your credit card company will pay you back one dollar for every 100 that you spend. Again, this doesn’t sound like much but think about how much you spend per year and think about how many dollars that can add up to!
Of course, you should do a cash back credit card review before you choose to go with one of these programs. In many instances the interest rates will be higher, the annual fees will be higher, or there may be a balance requirement. If you only use credit cards a couple times a year and for small amounts you’ll want to look very closely at the cash back credit card application and see if it is really for you. The credit card cash back offer is generally most beneficial for those that use their credit cards regularly and can really see the benefit of this type of program. If you are someone who uses your credit card for almost every purchase, a cash back credit card is exactly what you need!
Each credit card company works their credit card cash back offer differently. As mentioned above, a cash back credit card may only provide the cash back feature when the purchase amount is over a certain dollar amount, such as $50 or $100. Other cards have no minimum amount, and others still have a credit card cash back offer that only applies to the purchases at certain retailers. It is good to understand how this works before you choose the cash back credit card that is for you. This is because you want a cash back credit card that will allow you to benefit from the cash back feature.
Different companies also pay out their cash back amounts differently. Some pay it all back in one lump sum every month, others pay it after every purchase, and others still pay it once a week or every other week. Knowing what to expect and when to expect it will allow you to make the most of the cash back credit card features. Using the cash back credit card for just a month or two and looking over your statements at the end of this period will likely shock most users. The reason for this is that it allows the user to see how much they spend on their credit card, and it can also show how quickly even 1% cash back credit card offers can add up!
December 15, 2008
 One tool that is essential to some businesses is the business credit card. Credit card companies offer businesses, both small and large, a variety of cards that will assist the business owner in growing a successful, thriving business. Many of the cards from the various credit card companies include a cash back credit card, a secured business credit card, and a rewards card. In addition to the many different credit cards that a company may offer other features of a business credit card may include no annual fees, a low Annual Percentage Rate (APR), and assistance with travel and entertainment needs.
Whether or not you are a new business then you probably receive a business credit card offer at least once a day, but how do you choose when to get a new business credit card or a new small business credit card? It really comes back to how your business has grown in the past, how you plan for it to grow in the future, and any purchases that you may need to make in order to encourage a growth in your business. The best business credit card for your company will depend on your company’s mission. For example, if you or your employees travel a lot then a card that offers travel miles maybe in your best interest. However, if no one travels or does very little travel then a card that offers cash back may be better suited. Whatever card you choose, be sure it reports back to a business credit reporting agency. Otherwise it will report to an individual credit report agency and be tied to your own credit history, thusly not allowing your business’s credit to grow and as a business grows it will need its own credit.
If you suffer from bad credit then it may be hard for you to obtain a credit card however, many credit card companies do offer a bad credit business credit card. These cards are considered to be a secured business credit card and require that a deposit is made prior to being approved. The deposit is made in an effort to prove that the business will be responsible in their credit card spending habits. Each credit card company will have different policies regarding their secure business credit card. However, some of the secure business credit cards resemble a pre-paid card in that each time a purchase is made, the cost of the purchase is deducted from the deposit. When the deposit reaches $0, more money will need to be added. These types of business credit cards can help a business owner rebuild any bad credit while still helping the business to grow.
Some of the most popular companies to obtain a business credit card from include Citibank, Chase, Visa, and American Express. If one is looking to obtain a Citi business card, then they would have a choice between five different cards offered by Citibank. The features of these five different cards include an excellent APR, points or miles and free companion travel with certain cards. Similar benefits are offered by Chase Bank. At Chase Bank, business owners have a very large variety of Chase business credit card to choose from. One of the unique aspects of the Chase business credit card is that some are also associated with another business such as Amazon.com or BJs. These cards allow the cardholder/business to earn rewards at the specific store to which the card is affiliated. For even more variety, business owners can turn to the American Express business card. American Express offers cards for small business, corporations, and merchants. The American Express business card features include travel miles, no pre-set spending limit, a low into-APR, no annual fee, and a complimentary first year. Another popular card that offers cardholders many perks is the Visa business credit card. This credit card company offers just two cards, but has extraordinary perks for wining and dining clients such as preferred seating at sporting and entertainment events, reservations at the best restaurants, no pre-set spending limit, travel insurance and an auto rental accident waiver.
Besides offering cash back and travel miles, the business credit card can offer a business an avenue to have an interest-free, short-term loan provided all charges are paid at the end of the month. Furthermore, the records that are generated concerning purchases give the business owner a helpful way to track expenses and the opportunity to track employee spending if cards are given to employees. This method of tracking purchases can be extremely helpful when generating monthly and/or quarterly reports as well as when completing yearly tax filings. The final benefit of a business credit card is convenience. In a small business, employees will need to purchase items every so often and by having a credit card handy the need for petty cash, reimbursement checks, and purchase orders are eliminated because a business credit card can take the place of all of these. There is no doubt that a business credit card is helpful, the only real problem when choosing a business credit card is choosing the correct one for your business.
December 2, 2008
 Advanta Bank Corporation began over 50 years ago, so you know that the company can be trusted and is reliable. Founder Jack Alter started this business in 1951 in his spare bedroom and with just $30 in cash to invest. His original mission was to help teachers obtain funding, as it was hard at that time for them to do so. Advanta Bank is located in Philadelphia, PA, and their primary business is focused on taking care of small businesses and owners. Advanta Bank Corporation is the country’s largest provider of small business credit cards. Advanta Credit cardholders can search, preview, and apply online for a credit card that is best for their wants and needs. There are many types of Advanta bank cards that you can choose from.
Advanta Life-of-Balance Platinum Card
If you apply for an Advanta Life-of-Balance Platinum Card, you’ll be getting a card with many benefits and rewards. You’ll enjoy a 2.99% APR for life on any balance that is transferred within three months. You can choose between 6% cash back on your purchases or travel rewards. Depending on your personal spending habits and expenses, you can choose the one that will give you back the most. For the frequent traveler, you can earn 6% cash back on gasoline and diesel fuel. For the business owner, you can earn cash back on office supplies and computer equipment. There is never an annual fee, and there is no limit on earnings when you use your Advanta card. Your card will also be personalized with your company name on the front of the card, and you can also receive free personalized and matching business checks. Cardholders receive online Internet account access at all times for ease of spending and bill paying. You can even quickly and easily download statements and information to your Quicken or Microsoft Money software applications to track your purchases, payments, and more, over any period of time.
Advanta Platinum Business Card
This is another Advanta card that is perfect for small businesses! With a 0% APR introductory rate on balance transfers and purchases for 12 months, you can use this card worry free for the things you want most in life. The APR afterwards is just a low 5.99% variable. There is no annual fee, a $0 fraud liability, and your card again comes personalized with your business name on the front of the card. Select a card that is designed to compliment your business and make a professional statement when you present it. You are always able to access your account online on the Internet, view current and previous statements, and unbilled activity. You’ll also be able to make payments online and schedule online bill payments. You will be able to purchase what you please with a credit line of up to $50,000. You can also save money on a variety of purchases that you make at a lot of participating retailers, all the way up to 25% off, just for owning an Advanta Platinum Business Card. This includes IBM and nights at the Ramada Inn. You also receive the standard advantages of having a credit card, such as car rental insurance and travel accident insurance, as well as automatic theft and damage protection.
Advanta Platinum Business Card with Rewards
This business credit card is perfect for those business owners who would like to consolidate their business expenses into just one credit card account. The Advanta Platinum Business Card with rewards makes it possible to enjoy the very best credit card available from this company. The introductory APR is 0% for 16 months on balance transfers, and a low 7.99% fixed APR after the first 16 months are up. The 7.99% APR will be variable on purchases. You can have a choice of either 5% cash back on purchases that include gasoline, diesel fuel, computers and computer supplies, online advertising, and most electronics. When your unpaid rewards reach $50 in a billing cycle, you then receive a $50 check. Earn travel rewards on the money you spend on this Advanta platinum card to be used the next time you fly. Points are unlimited and are redeemable towards both travel and pre-paid cards. Although points are unlimited, they must be used within 3 years of earning them or they expire. This card has a $0 fraud liability and again, you receive a personalized business card with your company name on the front.
With all these great benefits, it is no wonder that Advanta is a popular and leading issuer of credit cards and accounts. Advanta also offers statement savings accounts, certificates of deposit, and money market accounts. You’ll get the best rate when you inquire about opening one of their premium accounts. All Advanta credit cards come with the MasterCard logo, so you will always be able to use your card at thousands of locations worldwide. Advanta Bank Corporation is also a recognized and trusted member of the FDIC.
|
|
All Credit Card Applications are secured through their respected issuers. Apply with confidence.