Category Archives: Good Credit

Could A Rewards Credit Card Help Your Business?

If you are a small or growing business, having access to credit to help with your cash flow can sometimes be the key to your company’s success. Whilst you might not want to pay high interest charges on credit, having the ability to use a credit card to manage your company’s expenditure can be extremely useful.

And now, in addition, you can sign up for a business card that not only offers the ability to manage your day-to-day finances, but also earns you credit card rewards.

What is a business rewards credit card?

A business rewards credit card provides all the convenience and flexibility of a traditional credit card but is also linked to a credit card rewards program. For example, your business might need a credit card that can be used to make purchases and pay bills to help the business grow. Now, as well as these benefits, you can also take advantage of a wide range of complimentary rewards, just for using your card.

Many credit card companies and financial institutions offer business rewards credit cards to companies from start-ups to established firms.

How a business rewards credit card can help you

Business rewards credit cards provide an easy way for your business to manage your day-to-day finances. They also help you take care of travel, office supplies and other costs associated with running a company.

You can also typically add a number of additional cardholders to your company’s business rewards card account. This means that fellow directors of the business or anyone who uses an expenses account can be linked to your business credit card rewards program.

Every time any of the linked cardholders use the card for purchases, you will be awarded points based on the amount you spend. You typically earn between one and two reward points for every dollar you spend on the card.

Financial management

Businesses often use credit cards in order to track the expenses of the company. This is easy to do with a rewards credit card as regular statements mean you can track payments and reconcile your expenditure. Paying a regular monthly payment is easy to manage financially by applying for and using a business rewards credit card.

Wide choice of rewards

With various cardholders all using your business rewards card to accumulate points, you will be surprised how quickly you amass a large amount of credit card rewards. You then have a choice of a wide range of rewards for which you can exchange your points. These rewards typically include:

1. Domestic and international flights

2. Gift cards and shopping vouchers for everything from Accor hotels to David Jones

3. Experiences (such as spa days, theme park passes or adrenaline experiences such as rally card driving)

4. Electrical goods such as kitchen ware, cameras and audio equipment

5. Food and wine

Could your business benefit from a credit card rewards program?

Aaron Zaias recommends you visit Credit Card for more free information, advice and tips on how to select the best ANZ Rewards Card currently available.

Rewards Credit Card Offer Sweet Perks

One of the ways that credit card companies gain new customers is to set up reward systems that give customers a reason to sign up for their rewards credit cards, make purchases on those cards and shop at their affiliates’. The best rewards credit cards offer sweet perks will even come with an introductory period up to 15 months of 0% interest. This is a way to tempt people who might not normally pay with credit cards to use their rewards credit card. Frequency of use tends to go up with the amount of rewards receive. Because usage of these credit card profits the credit card companies involved, whether or not the balances are paid off monthly, the reward process benefits consumer and creditor.

Types of Reward Programs

Each rewards credit card company has a unique reward system. Some offer cash back for each purchase made using a particular card which could be done with each purchase, or on a monthly or annual basis. Cash back is the preferred choice by those who do not have time to track reward points or other reward system. Other rewards credit card programs focus on a selection of prizes, rather than cash or points.

Maximizing Your Program

The fastest way to accrue points, of course, is to use your rewards credit card, and to claim your reward when you earn it. If you pay off your balance every month, your reward will not be something that you end up paying for all over again because of your extra interest and fees. Many credit card rewards go unclaimed and unused every year by customers who forgot to claim them. Unless your program is cash-based, you would often have to contact the credit card company to redeem your awards. Depending on your preferences, you would have to shop around to find the best rewards credit cards for yourself.

Rewards credit card systems are excellent for those who have credit liquidity. If your cards are close to the limit and you are only making minimum payments each month, your rewards would almost never increase, because finance charges and late fees eat up you rewards. You would only benefit from new purchases. Rewards credit cards would not be good for those who have a problem handling credit, but they can be a way to let good money managers stretch their spending dollars.

Once, rewards credit cards were only for the high rollers, and they required high fees on a yearly basis to take part. Because of the competitive nature of the current consumer credit market, almost anyone could afford to participate, and just about every credit card has a rewards program built in. If you can handle credit, you should be able to find the best rewards credit cards available to reward yourself.

It is however, always a smarter choice to run around, comparing a number of rewards credit cards before making a decision on the one. Take into consideration, the kind of rewards that you really need or want. Businessmen that travel a lot would be greatly suited for a rewards credit card that comes with miles rewards whenever they take a flight with the company stay at partner hotels or even renting cars at selected dealers. Home makers would also do well with rewards credit cards that allow prize redemptions of household items or instant cash backs. Whoever you are, there is sure to be a card that would prove to be tailor-made just for you.

For more on a variety of rewards credit card offers, Robert Alan recommends that you visit CreditCardAssist.com

The Best Credit Cards to Get You Flying: The Points Guy

June 16 — Brian Kelly, founder and chief executive officer of Thepointsguy.com, helps you find the credit cards that offer the most points and rewards for travlers. He speaks on “Market Makers.”

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Is Your Rewards Credit Card The Right One?

A benefits credit history card is a great way for you to obtain something back for all the cash you have actually been spending. These rewards could can be found in various forms such as present cards, points and so on. If you currently have an incentives card, is it the appropriate one? If you don’t already have a rewards credit rating card, after that you can be missing out availables that can be to your advantage. There’s an old claiming that you don’t obtain anything in life totally free, yet some credit scores card firms contradict that stating by supplying incentives every single time you utilize their card.

The card firms make deals like those of their finest rewards charge card to attract new service. They also do it to keep their existing customers. The bank card company is very affordable and firms are continuously assuming up new methods to draw in new clients as well as incentive old customers for their loyalty. The benefit credit report card is just the current in a lengthy line of wonderful means to promote their cards.

< br/ > Several of the very best benefit bank card on deal provide the consumer savings on things like travel with air miles, grocery stores, gas, even hotel costs. If you wish to capitalize on what these benefits charge card supply, it’s finest to discover one that will certainly give you the most profit. It’s no great obtaining a card that provides totally free air miles as an example, if you’re worried of flying. Go online, or seek adverts that use you something you require. Take your time in choosing a card that’s mosting likely to be beneficial to you. Have a look at your typical costs habits. Exists any one of the incentives bank card on offer that can make you a regular conserving on products you typically buy?

Benefits charge card that supply refunds on gas purchases are frequently offered. Definitely, you are all aware of the continuing increase in rates of gas. Would not it be great to offset several of these cost increases by obtaining some money went back to you each time you make an acquisition of fuel? Numerous a fuel compensates charge card will ensure you a flat percent money back on every acquisition. Some of the very best incentives credit history cards will certainly give you 5% back on every purchase of gasoline, as well as an additional 1% back on all other acquisitions. If you do a great deal of traveling by automobile then this kind of card could save you a substantial amount of loan throughout the year.

< br/ > Why not seek a card that provides you the most effective of both globes. Some loan providers will use 0% APR charge card that likewise offer incentives. Even if you have a rewards charge card you could transform it for one more that is using 0% interest. Much of the lending institutions will certainly allow you transfer your existing balance to a new card which can be of fantastic advantage. Doing so might decrease your monthly outgoings as well as providing you the advantage of an incentives scheme.

There is also greater than one benefits charge card that uses the client factors. Every time you utilize your benefits charge card to earn an acquisition you are given factors. These are usually provided at a rate of 1 indicate every buck you invest. Some companies offer you much more if you shop at a companion company. The difference between the deals loan providers make is when you pertain to redeem your factors. Some will certainly redeem your factors for gift certificates, others will have an on the internet purchasing portal where you can go as well as select presents that have a worth in factors. Your rewards charge card points can after that be traded for these goods. Financial institutions and also loan providers have partnered with numerous retail companies to provide rewards bank card that could be retrieved against the companion’s products. Companions include retail shops, resorts as well as airline companies. If any of these are items which you regularly make use of, after that these might be the very best benefits credit scores cards for you. Apply today for your ideal benefits credit history cards and learn that you could get free ride.

< div class="biography" > For extra on rewards bank card deals, Robert Alan recommends that you see CreditCardAssist.com

Credit Card Rewards: Do’s and Dont’s

< object type="application/x-shockwave-flash" design="width:425 px; elevation:355 px;" data ="// www.youtube.com/v/vYAZQBYcijs?color2=FBE9EC&version=3&modestbranding=1" > < param name="allowscriptaccess" worth="always"/ > Cash back on gas and groceries, reward moments, trip miles, dining establishment advantages as well as the list of charge card benefits continues!

In this video, I assist you people analyze determining which card is well for you and also share some suggestions for what you need to as well as shouldn’t do. Enjoy!

P.S. Below are some web links I found helpful:

http://www.investopedia.com/articles/personal-finance/122314/credit-card-rewards-cash-back-vs-airline-miles.asp

https://www.nerdwallet.com/the-best-credit-cards#rewards

http://www.valuepenguin.com/best-credit-cards-no-annual-fee-free