Credit Card Articles

Choosing the best credit card for 2011

Clearly, the most popular offers you will see right now regarding credit cards of the balance transfer offers. The banks have become extremely aggressive on their balance transfer offers. If you look at balance transfer credit card offers last year in comparison to this year, you would notice that most balance transfer offers were from 0% between 6 to 12 months. Fast forward to now, and you’re looking at balance transfer offers ranging from 12 months to 24 months. With that in mind, you can expect to get some killer deals on a 0% introductory balance transfer offer.

Next in line is the best credit card offers for 2011 of the cashback offers. There are several ways credit card companies are offering cash back rewards. The first is either a cash bonus when you apply for the card, the second is after you spend a certain amount on purchases within a certain amount of time, for the third is you receive a percentage typically between 1-5% on every purchase that you make. Some credit cards are offering a bonus percentage amount, usually on a quarterly basis.

One of the things that’s going to be remembered, unfortunately, for 2011 is the high gas prices. With high gas prices comes expensive travel. Credit card companies know this, so they are targeting consumers looking for ways to soften the blow. The credit card companies are offering bonus airline miles, good for free one-way tickets and round-trip tickets. Another offering the credit card companies are giving out a cashback bonuses on purchases at the gas pump. These also typically range from 1 to 5%, and if gas reaches four dollars a gallon you’re looking at the $.20 per gallon savings at 5%.

We have compiled some of the best credit card offers for 2011 below, to help you get through your summer travels, higher gas prices, and put some more cash in your pocket/wallet.

Which credit card offers feature the best balance transfer deals?

What credit card offers have the highest cash back?

What’s the best gas credit cards for travel rewards credit card or airline miles?

With the current credit crunch, business owners trying to get capital, or loans for their businesses are finding it increasingly difficult to finance their short-term loans. Rather than putting your company in jeopardy, and trying to run your business without any working capital, or credit, consider a short-term loan by applying for a credit card. Although small business lending has dropped dramatically, over the last few weeks, the consumer credit card market, and the business credit cards are still taking and approving applications.? So if your small or medium-sized business is in dire need of emergency cash, or overnight loans, consider? applying for a personal credit card offer, or applying for a business credit card.

Popular Business Card Offers

After reading the article about bankrate.com buying creditcardguide.com for $32 million cash plus $2 million in working capital, I wanted to do some research on creditcardguide.com to find out what secrets the website might have done to command such a price.

While searching through Google for sites that contain the text creditcardguide.com an interesting site popped up. The website is websiteoutlook.com and the direct link to credit card guide.com is http://www.websiteoutlook.com/www.creditcardguide.com. At the time of this writing the website is estimated to be worth $52,786.30. Well, it looks like the accuracy of this website is quite a bit off, unless it’s correct, and bankrate doesn’t know what they’re doing. No, I doubt that. So after seeing that, I thought I would check some more domain appraisals on the website credit card guide.com.
Here are some of the results

1. cubestat.com – $49,342.89
2. websitevaluecalculator.com – $119 (Note this is with them displaying a pr of 5 and over 3 million backlinks)
3. smartpagerank.com – $919

Obviously the value of the website cannot be judged by a simple instant online appraisal script, and probably not by a firm. With the traffic, back links, page rank, and length of the domain name, I don’t think there is a online appraisal company out there that would even pay $1 million for this domain name. So basically, an online appraisal company is more of a novelty and something that shouldn’t be taken seriously. Who knows your new website mynewwidgetwebsite.com might show up as being worth over $1 million someday, or he might be less than $100, either way all you website owners out there, good luck on your websites, and hopefully you’ll be the next big acquisition by a large corporation.

Let’s compare business credit cards shall we? There are business credit cards for all sizes of business, with all kinds of rewards and promotions, and business credit cards for all types of credit ratings. For today, I’m going to compare business credit cards from Chase, Capital One, and American Express.

The good news about business credit cards, is that most cards have a 0% introductory APR, along with no annual fee. The Chase business credit cards usually offer cash back plus rewards. The American Express business card or the leader in rewarding your purchases. Capital one business credit cards also offer a lengthy 12 months 0% intro APR, and have a good cashback business card offer as well.

Great Business Credit Card Offers

Each card has different perks, and rewards, you can compare Advanta business credit cards by following the link.

While there always has to be a leader, but if Advanta wasn’t in the lead, American Express business credit cards, and American Express business lines of credit would definitely be in the lead. American Express may have the cream of the crop when it comes to the top business credit cards including the American Express Gold business credit card. American Express offers up some of the top rewards for using their credit cards for business, including discounts with the OPEN(SM) network. American Express offers 11 business credit cards

• Blue for Business? from American Express
• Blue Cash? for Business Credit Card
• SimplyCash? Business Card from American Express
• JetBlue Business Credit Card from American Express
• Starwood Preferred Guest? Business Credit Card from American Express
• The Gold Card from American Express OPEN SM
• Business Green Rewards Card from OPEN from American Express?
• Gold Delta SkyMiles? Business Credit Card
• Platinum Business FreedomPass? Credit Card
• The Platinum Business Credit Card
• TrueEarnings? Business Card from Costco and American Express

As you can see, American Express is the right choice for your business, if you or your employees plan on traveling a lot. You can compare all of American Express business credit cards by following the link.

Discover only has two business credit cards, the discover business card and the discover miles business credit card. Currently (and may be subject to change) the discover business credit card is offering a $100 cashback bonus once applied and approved. Please be sure to view
the Discover business credit cards for the latest features and promotions.

Capital one offers some decent business credit card offers. They have a good cashback business credit card, with some decent bonuses, the ability to set spending limits on employee cards, and 0% intro APR for a year. The Capital One business cards are

• Capital One? Business Platinum
• Capital One? Business Platinum with Double No Hassle MilesSM
• Capital One? Business Platinum with No Hassle CashSM
• Capital One? Business Platinum with No Hassle MilesSM
• Capital One? Business Platinum with Preferred No Hassle MilesSM

As you can see capital one business credit cards give you the option of cashback, or travel as a preferred business credit card. To view all the details and current promotions of the Capital One Business Credit Cards follow the link.

First National Bank of Omaha, is the up and comer for both consumer credit cards and business credit cards. They are clearly one of the most competitive business credit card issuing companies out there, and have some excellent business credit offers as well as consumer credit offers. Some of the things that First National Bank of Omaha future are the easy to read business expense reports they send out each
month, as well as discounts on hotels and travel insurance. Currently the two First National Bank of Omaha business credit cards are

• The Business Edition? Visa? Card
• Business Edition Plus? Visa? Card

You can read more and compare the First National Bank of Omaha business credit cards by clicking on the link.

Creditimes.com offers credit cards for businesses, consumers, and students. If you would like to compare credit cards, please use the links to compare all types of business credit cards, consumer credit cards, and student credit cards

The prestigious American Express Business Gold card is the top of the chain when it comes to business credit cards. The American Express Gold card takes the angle of earning rewards to reinvest in your business. Currently you can earn up to 40,000 bonus points in her first year, which allows you to travel on a sickly and the airline with no blackout dates or restrictions. You also get a complimentary enrollment into the membership rewards program where the points have no limits and no expiration dates. There is no preset spending limit, and no annual fee for the first year, $125 thereafter.

Open.com Gold Features

So what exactly is open.com gold? Open is a program designed to help power your business. The OPEN(SM) savings program gives automatic discounts of 3% to 25% on partners like FedEx, Delta, and Hertz. When you get additional card for your employees, you are also eligible to earn rewards on expenses that they accrue also. Open.com also revives tools to manage and monitor your spending, and track your expenses.

So, what about the FinePrint? First off, you will need to he enrolled in a frequent flyer airline miles rewards program, to use the points that you earn to book flights. Even though the open.com gold card states there is no preset spending limit, they do analyze your spending habits, and spending history and may or may not decline transactions based on this.

As far as the discounts on partners like FedEx, Delta, and Hertz, you must use your Gold card at the time you purchase the services, and the discounts will be applied and show up on your statement.

Since this is a business Gold card, you may need to prove your business status, and your credit history should either be above average, are excellent. This business card, requires you to pay her balance in full at the end of each billing cycle. A majority of the time, you can receive a decision within 60 seconds or less, however American Express reserves the right to look further into your application before approving it immediately.

Interested in finding out more about the open.com gold card? Click the link for the latest details, and features for this card.

The NFL 2008 season is underway and what better way to support your favorite NFL team by displaying your favorite NFL team’s logo on your credit card.? With an NFL credit card, you can earn points on purchases towards merchandise and the NFL shop.? If your real NFL fanatic, you have the opportunity of earning enough points to get your NFL gear for free.

After your first eligible purchase you are also entitled to a $50 gift card at NFLshop.com. In addition, there is a 0% intro annual percentage rate (APR) for the first 12 billing cycles. There is no annual fee, and there is no limit to how many points you can accrue during the year.

What are some of the things that you can a purchase using your points earned.
2,000 points = Sporting News Magazine Subscription
4,000 points = $25 NFL Shop Gift Card
20,000 points = VIP Tour of NFL Films
200,000 points = Super Bowl Tickets

All 31 professional NFL teams are available to apply for your NFL Visa credit card. So whether you’re a Packers fan, or a Pittsburgh Steelers fan there is an NFL Visa credit card with your logo waiting.

Here’s a testimonial from John Hall about the benefits the used from earning points on his NFL Visa card. “Being on the field with the sideline passes was a tremendous experience. I got to see my team get game-ready before playing a big divisional rival – up close and personal – thanks to my NFL Extra Points credit card. No other card in my wallet can do this!”

I see a lot of questions and popularity with the American Express Gift Card. With the holidays coming up, Christmas gift cards from American Express is a viable alternative to limiting someone to a particular store or restaurant, or risking sounding cash over the US Postal Service.

American Express Gift Card, in two formats. There is the American Express business gift card, and the American Express consumer gift card (for family and friends). Each American Express Gift Card has different features and applicable uses.

The American Express business gift card can be ordered with multiple cards totaling as high as $35,000. Business gift card from American Express are also an easy solution for rewards, promotions, and incentives. Large orders are also eligible for a possible discount.

The American Express consumer gift card can be ordered in ships within one to two days, allows the recipient to choose what they want to buy, multiple cards can be shipped with one package, and specialty cards are also available.

If you’re a business and you want some ideas for uses of the American Express business gift card, take these into consideration. You can use these American Express Gift Card for sales incentives for your top sales reps and distributors. You also might want to give out the Christmas bonus, or a birthday gift in the form of an American Express Gift Card. On the other hand, you might want to reward your consumers. For example you may offer a loyalty program where somebody who stays with you for six months to a year gets a free $50 American Express Gift Card.

As a consumer the beauty of the American Express Gift Card is they’re perfect for any occasion, whether it’s a birthday, graduation, holiday, or any other event. The gift card also comes with special offers, including additional savings that featured partners like Pier 1 Imports, KB toys and foot locker. They also offer a decent sized denomination range from $25-$500 per card. If the card becomes lost or stolen it can easily be replaced or refunded.

American Express recommends that when you receive your gift card you send a signature panel immediately, and also write down the gift card number and customer service phone number on a piece of paper so that if the card is lost or stolen you can call them immediately to have the card replaced or refund the money. There is also no expiration date, however after a certain amount of time American Express does begin to charge a service fee, and at the time of this writing is 365 days after the card has been purchased.

If your American Express Gift Card is lost or stolen the phone number to call is 1877 AXP-GIFT (1-877-297-4498).

American Express does not allow you to reload the gift card. Once the initial balance is depleted the card is worthless and should be cut up or destroyed.

Since the American Express Gift Card is treated like a regular credit card, only one name is allowed to be placed on the actual gift card. However when sending out the gift card to another person you are allowed to put more than one name on the note or notice that is sent along with the card.

One more final note, when using your American Express Gift Card or your American Express business gift card, there are a couple things that may become issues mainly at restaurants and gas stations. Many restaurants will request authorization for 10 to 15% even up to 20% higher than the actual tab to account for a tip. Your card could become declined if you have $50 on your card and your bill comes to $50 because if they were to add 10% to that authorization do actually be authorizing a $55 purchase. This doesn’t mean you will pay $55 but he basically puts a hold on the card. You can request a restaurant to put in a specific dollar amount but there are no guarantees that they will or can do this. Also at gas stations it is recommended that you pay inside versus paying at the pump because many gas station pay at the pump credit card terminals will automatically authorize $50-$75 which could cause a problem if you don’t have enough funds on your gift card. Therefore if you go inside and pay the exact amount there should be no issues.

How about a credit card with up to 3% cashback, no annual fee if you are a member at Costco, and the protection and security backed by American Express?

That would be the True Earnings? Card from Costco and American Express.? For somebody that has a Costco membership, there is no annual fee for this credit card.? Earn cash back on purchases from restaurants to vacation travel, up to 3%.

Want to earn even more cash rebates quicker, American Express allows you to and another Costco member onto the card, to earn even more cash back.? Currently there is 3% cash back on gas purchases, and restaurant purchases.? Get 2% cash back on booked travel, and 1% cash back everywhere else including Costco. Travel includes airfare, hotel, cruise lines, car rentals, travel agencies, and tour operators.

American Express Costco rewards card also offers tips on how to save even more with the card, featuring articles and blogs written by fellow cardmembers who discuss how they use their cash rebates. An example of this is a man who purchased a bicycle with his American Express Costco card, and rides the bus to work in the morning, he rides his bike home in the evening.? He received a cash rebate for the bike purchase, he now saves money on gas, and it is helping the environment.

Of course the possibilities are endless, on how you could rack up cash rebates with the Costco/American Express credit card.? If you have a membership at Costco, and spend a lot of money on groceries and gas, this is one of the best cash back credit cards of this time.

Why pay full price for gas when you don’t have to? Save twenty cents a gallon or more everytime you go to the pump.

How?

Many consumers don’t realize that gas rewards credit cards are paying 5-10% cash bonuses on gas purchases, in addition to earning miles for travel hotels and more. The top gas rewards credit cards are below. Compare the offers and apply securely online for the gas credit card that works the best for you.

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Citi? Diamond Preferred? Rewards Card

• 0% APR* on balance transfers for up to 12 months
• $50 Gift Card – Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening
• 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases
• No annual fee and FREE rewards program
• Citi? Identity Theft Solutions
• Price Protection Program
• $0 Liability on unauthorized purchases

Apply Now!

Discover? Open Road(SM) Card

• 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
• Save at the pump and everywhere else.*
• 5% Cashback Bonus? on gas and auto maintenance purchases
• 5% to 20% Cashback Bonus at top online retailers*
• Up to 1% Cashback Bonus on all other purchases
• Unlimited cash rewards
• Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Apply Now!

Capital One? No Hassle MilesSM Rewards for Travel and Gas

• Earn 3 miles per dollar spent on travel and gas purchases
• Earn 1 mile per dollar for all other purchases
• No blackout dates or seat restrictions
• No expiration date on miles and no limit on the miles you can earn

Apply Now

Blue Cash? from American Express

• Up to 5% Cash Back with Unlimited Cash Rewards
• No Annual Fee
• 0% Intro APR for 6 months on purchases
• Low Balance Transfer rate – 4.99% fixed APR for the life of the balance
• Express Approval. Get a decision in less than 60 seconds.

Apply Now!

In addition many grocery stores are teaming up with gas stations to earn your business. For example in Minnesota, Cub Foods offers a gas discount with Holiday gas stations on purchases. Arizona offers savings toward gas at stores like Frys, Albertsons and more. Watch for deals to get the lowest possible gas prices possible.

People in search of excellent credit card offers from bank of amercia can locate top credit card offers from the following trusted websites and blogs. BankofAmercia.com credit cards are issued to people with excellent credit. Many cards have a 0% introductory apr period, as well as a low or no annual fee. Bank of Amercia issues credit cards for name brands like Nascar, NFL, MLB and more. In addition they have partnered with major airlines like Alaskan Air, Asiana Air, Mexicana Air and Hawaiian Air. They have pioneered the cash back credit cards and investment and savings credit cards.

Bank of America? Platinum Plus? Visa? Card

• 0% Intro Annual Percentage Rate (APR)?? for 12 months on balance transfers WITH a balance transfer fee, min $10, 3% of transfer
• No annual fee
• Credit lines as high as $25,000
• Online Banking Service
• Total Security Protection?
• Card issued by FIA Card Services, N.A.

Apply Now!

Terms & Conditions

The following links point to some of the best offers from Bank of Amercia.

http://www.creditimes.com/bank-of-amercia.html
http://blog.360.yahoo.com/blog-j3JsMYA_dLRiMWXI.EfBgOG6?p=14
http://creditimes.blogspot.com/2008/05/apply-for-bank-of-amercia-credit-card.html?
http://www.squidoo.com/bankofamercia

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