Airlines Credit Card - How to Go About Finding the Best Ones Available

Simply because a friend of yours says that they have the greatest airlines card doesn't mean it's the best one for you. In order to find the one that fits your needs, there are a some things you should consider prior to choosing which airlines credit card is the one that suits you perfectly. You'll have to not only consider the airline cards and their offerings but your spending and traveling habits as well.

Begin by looking at the applicable rates of interest on the airlines credit card that you are considering. Nearly all airline cards hold higher rates of interest when compared to those without a rewards program. If carrying a balance from one billing cycle to another is important to you, then airline cards might not be the correct fit for you. However if you still want the benefits extended by airline cards, you need to make sure you are choosing one with the lowest rates of interest possible.

A few airline cards extend points for each dollar you spend while others only apply your points when you buy from certain stores or make special purchases. If you only get points for buying at certain stores and they aren't the ones you would typically shop at, then that card is worthless to you. The same applies to the airline you commonly travel with. A few airline cards are exclusively for one airline, if you don't use that airline, you'll not be collecting points that you are able to use.

Restrictions are also placed on airline cards, such as how many points you'll be able to obtain in a single year and quite a few have expiration dates on the points gained. You might even have up thousands of points and they might expire ahead of your ever getting to apply them.

If you travel a lot, airline cards will be easily worth the effort of looking into, still if you tend to travel only a few times each year it might not be worth the higher rate of interest, higher finance charges and annual fees that come with an airlines credit card. A lot of companies provide additional bonuses such as a complimentary companion fare, but if you generally travel alone, then such an offer will not do you any good.

You'll discover than an airlines credit card in a few cases will extend an upgrade when you travel a lot. Affording you the luxury of first class, however you might find that you would receive more points with an airlines credit card that doesn't give way such upgrades.


American Express and Other Credit Cards

One of the most well-known and trusted providers of credit cards is American Express, especially in the low interest rate, high credit genre of cards. Often, their balance transfer options and up to fifteen months with no interest can't be beat. Some of their cards even offer points with redemption towards travel, hotels, rentals, and more and often with no annual fee.

Chase credit cards have 5% on purchases and an offer of 0% APR for up to a full year. Cardholders can even receive cash back on 1% of their additional purchases. Chase offers a wide variety of cards, so you'll probably find one that fits your needs.

Citi has the Platinum Select card which has a 0% introductory APR on purchases and balance transfers, though it does not apply to cash advances. If you fail to make payments, go over your limit, or otherwise do not meet the terms of the contract, however, you'll likely lose these benefits.

Discover Platinum Cards are also offered with 0% APR as an introductory rate for up to a year. They also offer no annual fees, 5% cash rewards, and zero fraud liability along with limitless cash rewards for 1% of additional purchases. If you purchase products from their select, name-brand companies, they offer double the rewards for doing so. Of course, since you're paying a premium for the name-brand item, this may not really be that great of a deal. Make sure to read up on the card's requirements and small print before joining, as many find themselves caught because they didn't.

HSBC Mastercard offers manufactured goods from their in-house catalog to new cardholders. Since this bank mainly deals with newly established credit or people with credit difficulties, their offer few 0% APR or other deals. Their rates go as high as 18.75% and they usually have other fees associated with their credit re-establishing offers.

The AT&T Universal Platinum Cards are offered with similar deals, but also include many things the others do not. These include phone savings (through AT&T, of course) and free directory assistance credits and phone minutes monthly. The card is also a phone card, so you can use it to make long distance calls from any phone world-wide. This is in addition to their 0% APR for a year on purchases and balance transfers and their zero fraud liability guarantee. There are also options for insurance coverage on wireless phones built-in to the account. Of course, it's not all roses. There are down-sides to this card including variable rates after the year is up and very high rates on cash advances and defaults.

Bottom line, there are many cards out there for you to choose from and finding the right one for you is only a matter of looking through the options. For anyone looking for a new credit card or to transfer the balance and close out an existing card, there is a lot to look at out there. Hopefully this short list has helped you in making an informed decision. Be sure to check out each individual offer and to read contracts carefully so you don't get burned.


Credit Card Information

A credit card is part of a system of payments named after the small plastic card issued to users of the system. It is a brilliant card in more ways than one. Variable Rate credit cards are calculated on the basis of certain indexes. Thus with the change of index rate the credit card rate also changes.

Some of these indexes are Federal Reserve discount rate, Prime rates, etc. These rates can be verified by having an watch on the index rates published in the business/money section of any newspaper.

All online applications are safe and secure. Finally, many featured credit cards offer online balance transfers that have introductory rates as low as 0%. Such low rate offers could help save you 1000s of dollars in interest or finance charges.

Credit cards were initially issued mostly by foreign banks. Indian banks entered this domain very recently, but have taken the lead in no time; especially in the number of credit cards issued. Because of its relatively recent popularity, credit card is also one area where consumer awareness is very low, turning up financial shocks for the consumer. Most people take credit cards from the first bank offering it to them, without checking the fee and the interest rate structure. An enlightened consumer should check the offerings from various banks before finalizing on a credit card.

Comparing the available credit cards has never been so easy, if you have been looking for the best credit cards available through the Internet then your search has ended!


Tips to Shop For the Best Credit Card Deals

If you are one of the fortunate people who have a good credit history matched with a splendid monthly take home pay, then you must be receiving a lot of credit card offers everyday. While it may be easy to pick all of the tempting credit card deals offered to you, it may be quite difficult to find the best and the finest among all your possible choices. To help you with your decision, below are some tips that you ought to consider:

Check your needs

There are many types of credit cards available out there. Because of the varied types of people who need credit cards, the finance industry also created various types. If you want low interest rates and if you are planning to consolidate all your credit card debts, then you ought to get standard credit cards. However, if you are one of those people who love traveling, then you might as well consider getting airplane rewards credit card or gas station credit cards. If you have specialized needs, get a business credit card or a student credit- whichever best suits your purchasing needs. And, if you are suffering from a bad credit and you are trying to rebuild your credit rating, you should get a prepaid credit card or a savings secured credit card.

Check the interest rates and fees

The most important rate that you should consider is the interest rate. This is especially a major concern if you are well aware that you are not capable of paying your monthly credit card balance in full. The usual credit card rates will amount to 14.99%. However, there are those that have interest rates that are as low as 8.99% or as high as 19.99%. The rates usually depend on your credit rating and the credit card company. Aside from the interest rate, you should also consider the balance transfer rate, the annual membership fee, the penalty fee whenever you exceed the credit limit, the late payment fees, processing fees, and more.

Check the introductory offers and the other benefits

Most credit cards will have introductory offers of Zero interest rate and Zero balance transfer fees for a certain period of time. Usually that period will last anywhere between three months to one year. The longer the introductory period is, the higher your savings will be. Aside from the introductory offer, you should also consider the other benefits that you can get such as the rewards. The best card will be that which provides you with a higher percentage of cash back on your most common purchases. The card should also provide you with more rewards in the form of discounts, free merchandises, and others.


What to Look For Before Getting a Cash Back Credit Card

Cash back credit cards are very hot these days. Among the many types of credit cards in the market, the cash rebate cards are definitely the most preferred. The reason stems from the fact that aside from the comfort of purchasing without the use of cash, cash rebate cards offers a wide variety of rewards for its holders. This may be in the form of cash bonuses, gift cards, gasoline rebates, airline miles, and a lot more.

The task of getting a cash rebate credit card is quite simple. There are many credit card companies all over the world. If you are among the financially stable and employed individual, you might have received a lot of credit card offers via courier, e-mail, or through phone calls. Because of the different offers you get every now and then, you might get confused as to what cash back credit card is the best for you. Below are some of the main factors that you need to consider before getting a cash back credit card

The reward percentage

This is probably the most important factor that you should consider when getting a cash back credit card. The reward percentage refers to the number of points or cash rebate that you will get when you purchase things using the card. The rate will vary depending on the classification of your purchases. Some cards offer a 5% cash rebate on everyday expenses such as grocery items, gas expenses, and apparel. As for the other purchases, most cash rebate credit cards will give you 1% cash back.

The bonus rewards

Aside from the points and rebates, many cash back credit cards offer "double rewards". These double rewards can be gained through purchases made during a specific introductory period or purchases made with certain shops and stores. In choosing your card, you should consider the extra points that you can potentially earn, along with the length of the introductory period.

The fees

Aside from the rewards that you can get by the purchases that you make using the card, you should also consider the fees that you will have to pay. The most important fee that you should keep in mind is the APR. The average APR for cash back credit cars is 14.99%. However, some cards may offer APRs that are as low as 8.99% or as high as 18.99%.

Such will vary depending on your credit rating and your credit card company. Aside from the APR, some other fees that you should consider are the balance transfer fees and the annual fees. Most credit cards, however, no longer charge annual fees.


Where to Find the Best Business Credit Card Deals

You're ready to apply for your first business credit card - but where do you find the best business card deals? Sure, there are plenty of offers out there; each with deals and discounts that make each one more tempting than the last - but where do you go to make sure that the one you choose is the one that is the best available?

The answer may seem an unusual one: the first place you research is your own business. The reasoning behind this is that no two businesses are going to need the same qualities from a business credit card and, unless you've some how started an international, multi-million pound corporation, the likelihood of getting one that is actually tailor-made for your business is minimal to say the least.

For the rest of us mere mortals, the best thing you can do is try and take an objective look at your company and ask yourself a few questions, such as: how much credit does my business need? How much can it reasonably afford to repay? What do I need the card for? Who else will use the card? What repeat payments will my company probably need to make? If you can answer these questions, you will be able to identify the best credit card deal for your company.

Answering what you need the card for will directly inform your answer to how much credit your company needs. If you can ascertain areas where credit will be needed, you can roughly calculate how much will cover those eventualities. Alternatively, should you just require the credit as a facility for times when cash flow is restricted, then you might just want to start thinking about APRs and how much you feel you can afford to repay. When it comes to repayments, the introductory offers available can dazzle rather than inform; 0% is a common offer these days, but the important figure is the one that tells you just how much the APR will rise to once the introductory period has expired. This, again, will have some bearing on the type of business credit card that you choose.

Deciding whether you, as the owner, will have sole use of the card - or whether supplementary cards will be issued to employees will also have some influence on your choice. A business credit card allows you to track and monitor transactions online and there are packages available that allow you to put a limit on employee spending. If more than one person is to be issued with a card, you may want to consider business cards that offer protection against employee misuse, as well as fraud and the protection that credit cards offer against faulty goods and unsatisfactory services.

Repeat spending can be analysed and factored into the equation; if you can see that there are likely to be regular payments made on certain goods and services, then compare the deals and discounts on offer between the card providers. Some of these may directly relate to your company's expenditure and can help to reduce outgoings where things like Airmiles or hotel accommodation are concerned, for example. These perks are designed with business owners in mind and can be of great advantage. If your employees clock-up a large amount of road-mileage, then a card that offers cashback or discounts on fuel could be invaluable; a little research will tell you which benefits serve your company the best. In fact, the answer to the original question can be best summed up, using this example; by researching all the financial aspects of your company and analysing all the products that are available, you are far more likely to end up choosing the business credit card that serves your company's requirements than you would be if you just plumped for the first appealing offer.


Visa Credit Card Offers

Today, Visa credit cards are the most accepted cards in the world. More people have a Visa card than any other credit card currently offered. Visa has become a brand name that is familiar to almost anyone in the world. Due to the card's great success and popularity, many people now use it to make retail purchases, pay bills or shop online.

The idea of making a credit card that can be universally accepted for retail payments started in 1958, when a Bank of America branch manager was walking by a store. He noticed the clerks were preparing invoices to send to their customers for the purchases that they made during the month. At that time, certain stores did offer the privilege of buying merchandise on credit to some of their regular customers, such as business owners buying supplies at an office equipment store. However, as the invoices had to be tallied by hand and were often for relatively low sums of money. While being convenient to the customer, this caused a lot of time, effort and money being dedicated to preparing and collecting invoices.

The bank manager's goal was to introduce a central payment system that would use the bank's computer to create the invoices. While originally, the project was meant to be deployed only in certain cities in the state of California, Bank of America soon made agreements with other financial institutions in the United States to make use of their system, at the time called BankAmericard. The system soon spread to other countries, first in Canada, the UK and France.

Finally, in the late 1970's the card became global, and was renamed Visa. This was the time when Visa credit cards started becoming more and more known and accepted as a method of payment.

There are hundreds of banks in the United States that currently issue Visa cards. Today, these credit cards come in many different types and each offer some distinct advantages. For example, there are Gold and Platinum cards, which typically have a higher spending limit assigned than a regular card, and in many cases offer some unique advantages, such as travel insurance or let you collect rewards, like frequent flier miles, for every dollar that is charged to the card. You can use a Visa card in over 150 countries around the world, in many establishments, as well as to order products and services over the phone or via the internet.

Visa credit cards let you get the item you want without needing to carry large amounts of cash. You receive an itemized statement at the end of the month detailing all transactions. You then have the option of paying the amount in full, or paying a part equal or greater than the minimum payment, and then paying off the balance over time. In that case, if payment is not made in full, the bank will charge interest on the amount financed. The interest rate varies according to the bank and the type of card that you hold.

With worldwide acceptance, Visa credit cards are a convenient way to pay for purchases, large or small.


The Benefits of Gas Rewards Credit Cards

You have a vehicle, whether it is a car, suv, or truck you need to go places in that vehicle. For most of us we use our vehicles on a daily basis. Not just to commute to work and back, but to take the kids to school, grocery shop, go to the gym, and a variety of different errands that need to be attended to. So what does every vehicle have in common? They all need to be filled with gas in order to function. No gas means no vehicle. This is what drives us all to the gas stations to spend a small fortune on the gasoline that helps us function in our daily lives. Shouldn't there be some way to get a break while continuing to pay the rising gas prices? There is and all you have to do is use your gas rewards credit cards. There are a variety of gas credit cards available to those seeking some sort of cash back incentive.

Think about it, it only makes sense to use a credit card for your gas needs as well as daily purchases. You would normally spend the money on all this, why not use your credit cards and be rewarded for it? These types of credit cards are offered through all the major names such a Visa, Master Card, Discovery, and American Express. No matter which card you prefer, they are all available to choose from.

These credit cards offer a variety of cash back incentives such as cash back on regular purchases in addition to your gas purchases. Most people go grocery shopping at least every week or every other week. We all know that the price of shopping each month costs quite a bit, why not get something back on something you would purchase anyways? This applies to anything you would normally pay cash for or use your debit card on.

With the rising gas prices, everyone could use a little extra cash in their pocket. When you use your gas rewards card you can earn as much as 10% cash back whenever you use your gas rewards credit card to fill up your gas tank. Yes, you are actually getting some sort of benefit for purchasing gas for your vehicle. This just might help you to fill a little better about your next fuel purchase.

Just think about what this means when you go on vacation and use your car to get there. You will not only benefit to the relaxing aspects of going on vacation, but while traveling there you are able to earn cash back whenever you need to stop and gas up. It might actually be more beneficial to drive than fly when using your gas rewards credit cards, though many of them offer cash back rewards for normal purchases that aren't gas related.

What are you waiting for, look into getting your gas rewards credit card so you can start getting some cash back. You just use it for your normal gas and other purchases and begin benefiting from the cash back rewards. The sooner you get one, the sooner you'll start earning your cash back rewards.