Mark Carolin

Posts Tagged ‘Cash Rewards’

Most all of us own credit cards, but which ones are the best? What one’s can you utilize in order to ensure that you receive the best possible rates? There are several different comparison credit card sites you can visit online in order to find these things out. A credit card compare site, is a site in which you visit to compare different manufacture cards as well as different attributes that the card is made for. For example, if you’re a company (small or large) the best type of credit card you could look into applying for is a Business or Business Premium card. These cards in general were specifically made for businesses in mind. They might offer things like cash back rewards or even a lower APR.

In my experience as an individual but also as a business owner a few of the really great business type cards as well as some “options” they come with are:

The Business Edition Visa Card –
0% APR on purchases for the first 12 billing cycles
No annual fee
Separate business expenses for purchases such as travel, entertainment, or supplies
Receive easy to read reports
Get records and tax deductible expenses
Received up to 60% off regular rates at more than 11,000 hotels, motels, and resorts

Discover Business Card –
0% APR for 12 months
5% cash back bonus
No annual fee
Free employee cards with customizable limits

Chase Business Rebate Card –
3% cash back for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
1% cash back on all other purchases
0% APR for up to 15 months
No annual fee
Quarterly reports

Chase Business Cash Rewards Visa Card –
Earn up to 5% cash back
You can earn points by shopping where ever you want for whatever you want
0% APR for up to 12 months
No annual fee
Management reports

I’ve listed two Chase cards because in my opinion these are the best card to get if you have a business. Of course there are also other cards such as MasterCard, and American Express, you can check out! But again, in my experience as a business person, Chase credit cards always have been the best cards to get when it comes to all your business needs. In order to find out more about Chase cards, please visit the following websites listed below:

Chase Credit Cards
Chase Freedom Now
Finance Globe
Credit Card Guide
Bank Rate
Compare Cards

Feel free to search around a bit and find the right card for yourself or your business. As said above there are dozens of different credit cards that can be used in this instance as well as different stats, APRs, and options from different manufacturers. In the end, you have to get the card that will benefit you and your business the most! Good luck in finding the perfect card for your business.

J.P Morgan Chase & Company is successfully serving millions of institutional, private and corporate customers in the United States. Chase is a company of repute and functions in over 50 countries.

Chase has brought for its customers the Chase Free Cash Rewards Visa Card, which provides you cash back facilities. If you are looking for a credit card with such a rewarding option, you can try out this card.

The Card Rewards

The Chase Free Cash Rewards Visa Card offers its customers a fabulous rewards program that makes it possible for you to obtain one point for spending one dollar. This is not all; on reaching the 2500 point-mark, you will get a $25 gift check.

The cardholder also has the option of selecting a $25 gift certificate from a range of retailers and merchants. Furthermore, the credit card gives you the opportunity of earning an extra 1000 bonus points for making your first purchase using the card. The maximum number of points you can earn in a 12-month time-period is 60000 points. The rewards have no expiration period.

The card enables you to be on the fast track for receiving cash back facilities. If you have fabulous credit and desire to have a credit card with a sound rewards program, you can go for the Chase Free Cash Rewards Visa Card.

This credit card, however, might not be suitable for you if you want to carry an occasional large revolving balance, as the card uses the ‘Two Cycles Average Daily Balance’ method for determining finance charges. The makes the card a little expensive in comparison to credit cards using the ‘Average Daily Balance’ method.

Other Benefits

On qualifying for the Chase Free Cash Rewards SM Visa Card, you can get to enjoy a 0% introductory rate, which is applicable for a full year’s purchases and balance transfers. However, with the expiry of the introductory period, you can still enjoy the low rates on purchases and balance transfers. These facilities along with the no annual fee feature are certainly very beneficial for the customers.

The card also comes with other enjoyable facilities, like travel accident insurance, rental car insurance and extended warranty. It also offers access to the usual Chase platinum services and benefits, such as extended warranties for purchases, auto rental insurance and travel accident insurance.

The card also offers facilities like many Internet account related services, many travel and emergency assistant services, and lost and stolen card reporting.

You can also enjoy emergency card and cash replacement, no liability for unauthorized transactions, a financial statement at the end of the year and other benefits. However, it is advisable to be cautious about the applicable limitations, exclusions and restr

If you apply for a cash back credit card, you are probably hoping to see some money come your way. That may or may not happen, depending on how you manage your account. While cash back offers do offer some valuable rewards, the secret to making them work for you goes much further than reading the highlighted features on a website before you apply for it. Here are the five things to do to make cash rewards cards work for you.

1. Check beyond the initial offers and bonuses

One of the great features of a cash back credit card is that it often comes with an initial zero percent interest period or a bonus for signing up. This can work to your advantage. Experts warn, however, that it is important to read through all of the information on the card and not just focus on the bonus. If it comes with high fees or a high interest rate, you could end up spending more than you make with the initial bonus. Study the whole card to make sure it is a good fit for you. Then fill out the application.

2. Find a correlation between rewards and your spending

Many cash back credit cards operate on a tiered system. You might earn just one percent back for the first $1,000 you spend, and then you can expect to get three to five percent after that on some cards. This will help you if you regularly spend that much and pay it off. If you don’t, however, look for an offer that will give you a flat return rate of cash.

3. Look to see when the cash back rewards are granted

In some cases, you will only get cash rewards once a year. With other cards, you can expect to get it back in increments of $25 or $50, while with others you can access it on a more regular basis. The logistics don’t matter as much as your preference toward them. Decide what would work best for your financial situation. When you have the card, track your rewards and make sure you’re receiving them on a timely basis.

4. Read through reviews before applying

One of the important benefits of the Internet is that it allows us to do ample research on many things, including credit cards. Before you get a cash back offer, read through some online reviews. You may find that it fits perfectly for your financial situation, or you may discover other things about the card that you didn’t know before, and come to the conclusion that you should apply for a different one.

5. Spend within your means

With a cash back credit card, it is important to pay off the balance in full each month. If you do carry a balance, you’ll end up spending more in interest than what you receive in rewards. So live within your means, pay off the balance each month, and use your cash back card as needed. Following these steps will help you bring in cash and enjoy the other benefits that come with a credit card.