Credit Cards Review

GET YOUR Starbucks Card Duetto™ Visa® TODAY

Today there is a credit card for everyone and every reason. StarBucks is proud to announce that they want everyone to share in the StarBucks experience and that is why they’ve issued their Starbucks Card Duetto™ Visa®. Now coffee drinkers and cardholders can be one in the same and begin saving and cashing in rewards just like any other card holder enjoys their travel and cash back rewards!

Starbucks Card Duetto™ Visa® cardholders can enjoy a 0% intro APR for up to 6 billing cycles as well as they will not be paying any annual fees and they will begin to experience a wide range of Visa benefits. This card is for the coffee drinker especially because of such rewards as you will receive $10 Duetto™ Dollars in your Starbucks Card Account when you make your 1st Visa purchase, and you’ll get 1% of all your Visa purchases back in Duetto™ Dollars

Some other rewards you’ll receive are such rewards as a free pound of coffee, sneak previews of StarBucks latest new product. You will also be able to qualify for additional Starbucks rewards and benefits by using your Starbucks Card Account. This card is StarBucks way of giving a little something back to their customers!

CLICK HERE AND BEGIN CASHING IN YOUR STARBUCKS REWARDS TODAY!

Advanta Life-of-Balance Platinum Card

The Advanta Life-of-Balance Platinum Card is a great credit card for business owners looking to keep all of their business expenses on one credit card and are interested in a cash back rewards program that fits in with their business needs.

The most unique feature of this cards reward program is in the fact that the cardholder can choose which category they would like to earn their up to 6% in cash rebates. Some of the categories cardholders can choose from are: gasoline and diesel fuel, office supplies and computer equipment, restaurant dining rewards, building supplies, and even rewards in utilities and telecommunications. Also, cardholders can earn up to 2% in cash rebates. Cardholders also have the option to choose the travel rewards program.

Aside from this cards excellent rewards programs, this card also has a 2.99% Fixed APR for the life of the card on balances transferred within the first 3 months. Another excellent factor of this credit card is that the cardholder does not have to pay any annual fees and the card also has No Limit on Earnings.

Card holders can feel safe and secure in their business investments AND their credit card because there is also a $0 Fraud Liability.

This card also offers benefits such various Internet account related services, business checks that are personalized to your business, and great discounts on various products and services from participating retailers and merchants. And cardholders can keep up with all of their business expenses with Advanta’s online account reports are that are easy to manage and are compatible with Quicken® and Microsoft Money® software.

However, it is important for the cardholder to be aware that the APRs on this card for purchases, cash advances and balance transfers are tied to the highest Prime interest Rate during a 3 month period. Due to this rate policy, the APRs on the Advanta card may never reach the actual lowest possible interest rate.

CLICK HERE TO APPLY ONLINE TODAY!

Advanta Platinum w/ Rewards Business

The Advanta Platinum Rewards BusinessCard is one of the very best cards that one might have for their business. Some of the reasons why this card is one of the best are simply seen here: This card debuts at 0% APR on balance transfers for 16 months and after those 16 months the APR becomes 7.99% Fixed APR. Another great feature of this card is the 5% Cash Back or Travel Rewards and the exclusive offers that can save your business hundreds…even thousands of dollars!

This card is excellent because it gives business owners the chance to decide what types of rewards they would like to receive by using this card. The rewards range from travel programs to cash and the best part is that the Advanta Platinum Rewards BusinessCard from MasterCard gives every single one of their cardmembers alot of different discounts. Thejse discounts will give them money off at many participating partners such as Marriot, CompUSA, Staples, AVIS and much much more!

Their CASH BACK PROGRAM- This cash back program can let Advanta cardholders earn rebates up to 5% on fuel, computers, electronics, phone equiptment etc. If you’re using the card to gain travel rewards their travel points system are redeemable for a variety of rewards.

Another perk of the Advanta Platinum Rewards BusinessCard MasterCard is that each card comes customized to each specific business. It comes with your Business name right on the front of the card. You will also receive business checks for free, online management access that will even provide you with management reports for your company, making your life alot easier.

One final excellent aspect of this card is that you can take advantage of the 0% INTRO APR and tranfer over high interest rate credit card balances and now pay on them interest free for an entire 16 MONTHS! This will allow you to free up that much needed cash to reinvest back into your business. Where your money should be going!

APPLY ONLINE HERE TODAY!

Advanta Platinum Business Card- APPLY ONLINE TODAY

Advanta Platinum Business Card is an excellent choice for Business owners because its another one of their new cards that offers their outstanding INTRODUCTORY interest rate. Again, with the 0% Intro APR on Balance Transfers and Purchases for 12 Months you really cant go wrong.

This zero percent intro APR will allow you to free up alot more money for your business and can even aid you by allowing you to get rid of HIGH interest credit card payments by an easy and simple balance transfer over to your new ADVANTA Business Card. After the 12 months INTRO period the card will then increase to a very good rate of Prime 5.99% Variable APR thereafter. This is also a great Business card because of the high credit line available- It has a credit line of up to $50,000.

Another additional feature is the fact that this card has absolutely NO Annual Fee and carries $0 Fraud Liability.

And finally- this card also allows you as a Business ownert o have your own Personalized card with your company name on the top of the card. This is also a great Business card because of the high credit line available- It has a credit line of up to $50,000.
This can be the perfect card for business people who must charge just about everything, but don’t want to be restricted by a lower credit line.

CLICK HERE TO LEARN MORE AND APPLY ONLINE TODAY!

Credit card balance transfers are a great way for one to easily eliminate high interest debt and allow you to become debt free alot sooner than if you tried to pay off your high interest cards as they are. Many credit card companies offer zero percent balance transfers. You must have good credit to qualify for a zero interest balance transfer but if you do qualify then its smart to take advantage of them.

Of course zero percent balance transfers have limitations. Some cards will allow zero percent interest for all purchases and low interest rates on cash withdrawels. Zero percent interest rates are great for those that want to finance a large purchase for a short period of time and pay it off quickly. Only with zero percent balance transfer cards the zero percent only holds true with balance transfers. Any purchases or cash withdrawels on these cards will have an interest rate.

Again, be wise to pay off the balance transfers before the end of the zero percent time frame. Once the time lapses and there is still a balance on the credit card the interest will then begin being added to the credit card. On average, most credit cards will have the zero percent offer for 12 months. After that the card will switch over to having an annual APR, usually of a lower rate than any normal credt card. This is great for quickly paying down balances.

If you have the goal of becoming a debt free card holder, a zero percent balance transfer will help you. Throughout the time period of having a zero interest payment all monthly payments will go towards reducing the balance on the credit card. With other credit cards, a large percentage of the monthly payments are applied to the interest making it hard if not impossible to ever pay off a credit card.

A credit card can be a great tool for managing your monthly living expenses as long as you follow some very simple guidelines. If you do follow them then your credit card will begin to work for you and not against you.

The first thing you need to do is establish a budget for each month. Make sure that when you establish your budget that you keep it realistic. Begin by paying off your monthly utilities and then add in your monthly costs such as how much you spend on gas and food and day to day activities. Make sure that you dont overspend and that the money that you’re spending is not more than the money you’re brining in monthly. Using your credit card for such matters allows you to keep track of every penny thats being spent so that you can monitor your montly spending.

Most credit cards will allow you to make payments on your monthly bills by automatically charging them to your credit card every month. If you can, set the monthly bills up to be automatically debted from the credit card. This will make it possible to never again over look a bill or accidently pay one late. Never again will you have a late fee because your credit card will keep track of when to pay each bill monthly.

Using your credit card greatly rids you of the burden of trying to keep straight monthly records. At the end of the month when everything is taken care of all you have to do is make one payment to one credit card and everything for the month is taken care of. You no longer have to write out 5-10 checks just to make sure that everything is paid. This makes it much simpler to balance your checkbook.

Now you can also enjoy your credit card rewards programs because the more you charge to the card, the more rewards you earn. This allows you to actually use your bills to your advantage by getting something back for using your credit card to pay your bills by using your credit cards the smart way. Don’t forget the other rewards programs, like travel rewards or store credit. When choosing a card make sure to choose the credit card that has the right rewards program for you and your family.

What do you do if you seem to have too many credit cards and not enough money to pay them all off and you’ve got high interests rates on all of them?? The best thing for you to do is to open up one credit card and have all of your smaller credit cards consolidated into one credit card payment!

What’s the benefit of doing this? Simple! It doesnt matter how many cards you have and how many different balances you have on them, the final result is always same. You could have several monthly payments or you can just merge them into one. One great benefit to doing this is that often people receives a much lower interest rate. Many times people pay off alot of their debt by consilidating by getting a home equity line of credit. In this a card holder will basically take out a smaller loan against the equity in their home and use that loan to pay off all their credit card debt and more times than not it lowers their payments drastically!

A credit card debt consolidation offers even more benefits especially for those card holders who have to take the time out every month to make several card payments. The credit card debt consolidation provides an comfortable and easy way to merge the several billings into one so that you will only have to make one payment as opposed to many. Credit card debt consolidation assist you and helps you to handle your debt in a more efficient manner. This will result in maintaining an excellent credit history which will help you to one day buy a car or another future home.

One of the biggest and best benefits of owning a credit card is that cardholders no longer need to keep alot of loose cash on them in thier wallets or purses. This will lesson the chance of falling victim to robberies that can cost you not only your life but alot of your hard earned cash. If you would happen to be so unfortunate as to have your credit cards stolen all you must simply do is call your card company as soon as possible and cancel the credit card. If purchases have already been made or cash has been taken off the card every card company has ways of disputing these charges and they can be wiped off your credit history.

Secondly, the use of credit cards allows you to begin building up your credit which will aid you furthur down the road. Remember- no credit is bad credit. Just make sure to not over spend and to always pay your card on time.

Credit cards also come in handy during time of emergency. Unexpected car problems? Credit cards will allow for you to borrow money from your bank and use the money promptly to fix what ever sort of emergency might rear its ugly head. This way you won’t be forced to drain your family bank account when unexpected issues arise.

Also credit cards will aid you in instances such as that above by allowing you time to pay back the money you borrow. Of course if you dont pay the card off fully then you will begin accruing finance charges. But if you begin paying off the entire card amount all at once then you are REALLY taking advantage of all the great benefits that credit cards have to offer.

In the last few years an entirely new and different market as emerged for credit cards. The Business credit card is now the hottest item out there for small business owners. They are easy to obtain and the business credit card allows for new small business owners to free up and conserve alot of cash that is essential during the initial starting phase of a new or small business. This allows for a new business to have the money that they need to continue moving the small company forward. Today, about 65% of small businesses now have credit cards, and this number rises every day.

Some of the advantages of a business credit card as opposed to a normal personal credit card are as follows:

Business credit cards have higher credit limits. They generally carry credit limits of $50,000 or more, making it alot easier to purchase those items needed that are major purchases.

By making such larger purchases this causes the business card owners credit rating to boost! Just make sure that when you own a business credit card that you keep in mind not to abuse them. Be sure to make timely payments on the card and your business credit rating will continue to rise.

When doing business with your company suppliers make sure that you keep copies of any and all purchases made and make sure to report them all! Many of these are tax write offs! Which will come in handy at the end of the year.

Be sure to keep business credit apart from your personal credit card purchases. Also know that your business credit card rating is not reflected on your personal credit. that’s great because if something would happen to your business and it might begint o have financial problems or even fold, your personal credit rating is safe. In addition, by having a separate credit card for a small business, you no longer have to sort out business and personal transactions when it is time to pay taxes.

When being a business owner be sure to keep track of all employee spending. Business credit cards make it easier to keep track of and set limits on how much your employees are tacking onto the card. You can keep track of any and all credit cards.
And business credit cards have MANY business perks. The rewards offered on business credit cards are business related and typically include nice discounts on great business travel and on extensive shopping perks at business supply outlets.

In todays day and age its a sad thing that credit cards get a lot of really bad press and have some much negativity aimed towards them. Especially when it comes to people letting themselves get into alot of debt. Credit cards are actually an advantage for a variety of reasons and there are many issues that you, as a consumer and credit card holder, must stay on top of in order to assure that your personal credit card doesnt become a disadvantage. But if one uses their credit cards wisely they have a LARGE amount of very important advantages!

It’s essential to remember that credit cards are not your enemy! They are your friend. It’s the way you use credit cards that will determine whether they offer you an advantage or disadvantage.

How can your credit card be your best friend? Easy.

If you and your family have an unexpected, large high price purchase, credit allows you to buy it instantly and settle up later. This will free up more of your immediate personal finances for other matters.

Though you end up paying a little more for the initial purchase due to finance charges, credit cards enable you to spread the cost of expensive purchases, like vacations, home stereo equiptment, computers, and other such large purchases. And if you shop around for a low-interest rate, this needn’t be too costly. Their are a variety of credit card companies that all have different interest rates and APRS. Simply shop around until you find the card perfect for you.

If you as a consumer use your credit card wisely, you can make a purchase and get up to 59 days interest-free credit before you will have to begin settling the bill in full.

Another great advantage of some credit cards are that they offer you insurance policies on articles you might buy. What this means is that when you use your credit card alot of card companies offer you the opportunity to stop payment on an item that might be faulty. So even if the store where you made the initial purchase wont help you, yur credit card insurance policy can! All you have to do is make a claim and the problem will be solved.

And of the biggest advantages of using yur credit card is that it allows you to quickly build up GOOD credit. Your good credit will come in handy with alot of things in your life and if you keep your credit in good standing you will surely have no problem getting car loans, home loans, and all the other perks of having good credit! No credit is not a good thing! But GREAT credit is!