Mark Carolin

Posts Tagged ‘Rewards’

The Discover Card is offering the card members a range of value added perks and privileges in the true spirit of their well known tagline “It Pays to Discover”. The new range of rewards includes the Cashback Bonus Award program, the new card Discover 2GO(SM), redefined merchant connections as well as promotional offers and sponsorship opportunities. All these will be activated through various marketing initiatives which are being implemented at present.

The Cashback Bonus award is the reward program in the forefront. As Discover Card rewards its participating members they will be able to collect Cashback Bonus award points on every purchase they make. The newly redesigned program offers the card holders additional options in using their awards. Redeeming the award is possible at any time as soon as the accrued amount reaches $20 or more. The increment for redeeming is $20. If the card member builds up the award over a period of time they also have the option of doubling their award with affiliated merchants such as Borders Books & Music, Blockbuster and The Sharper Image.

The new innovative Discover 2GO(SM) Card is a very convenient and user friendly way to access the card member’s Discover Card account. This is the first time a credit card company has introduced this type of a unique and consumer friendly card. The compact Discover 2GO(SM) card fits into a protective case that can be attached to a belt, key chain or a money clip with ease. The card member will never forget it or lose it and will have it with him all the time allowing easy access to the Discover Card account.

The Discover Card has evolved over time to include a wide cross section of merchants with whom they have built up steady relationships through the Cashback Bonus award program. Many popular magazines feature the merchants who are participating in the program allowing the card members to double their Cashback Bonus awards. The number of merchants who are joining the program is on the increase adding to the value of the Discover 2GO(SM) card.

All these unique and innovative offers which are exclusively reserved for the card members are possible mainly due to the fact that Discover Card is a proprietary card. They are always looking for ways to enhance the shopping experience with the card and keep adding to its value by joining with other like minded merchants across the nation.

As you can see becoming a card holding member with a Discover Card at your command can be a very rewarding experience. It is even more convenient to be able to use the card at many other shopping outlets that will actually double your cash back rewards. It is Discover Cards way of rewarding card holders even further that makes this possible. So, go out and become a card holder today and reap the benefits that will automatically flow to you through all the innovative programs offered by the Discover Card and enjoy the most rewarding experience.

The economy is seeming to pick up just a little bit, but what many people are finding out when they are trying to open up a business is that there aren’t that many credit cards out there, that they can get approved for. I wanted to sit you down today, and show you what I think are the best business cards out there for the year 2010. I’m not going to name names in particular, but rather show you the banks you should look into.

Citi: Citi bank has a great selection of business cards. What you’re going to find out is that they have a huge selection of just about any bank that you can think of. From getting rewards on your phone bill, to office supplies, you can use your card, and save today.

Capital One: Capital One has a great selection of cards as well. What you’re going to find out is that you can get approved if you have great, or even good credit. Most of their cards have a great reward structure, and it’s a great way to save money, while using your credit.

Discover: Discover has cut back on a few of their cards, but they still have them out there, trust me on this one. You’re going to find that Discover, just like the rest have a great line of cards for business too.

There are so many banks, and card companies out there. Check out the three banks above, and see if you like any of their cards. They release, and offer new cards every month it seems like. As long as you have good credit, you should be fine.

Some people prefer the cash back gas credit cards because for them, it’s a great way to save energy and money at the fuel pump. Usually the cash back gas pays 3% to 5% back, depending on the bank that issues the card. Your cash back gas savings are added up until you obtain about $50 credits and by then, you can request a check from your credit card company for a rebate.

Not just for good for gas purchases but the card let you also earn cash back bonuses aside from gas, also in department store purchases, home improvement stores also.

The gas reward cards are designed for people with good credit record which pay off their balance on monthly basis. In considering gas credit cards, one need to look carefully the benefits that are offered since most gas credit cards offer good benefits as an introductory incentives just to gain or attract customers especially to new card holders.

Some bank issued cards with common benefits which include cash back rebates that range from 3% – 5%, cash rebates on purchases and with 0% introductory rates and with NO annual fees. In making choices on what credit cards you want to have, chosen the benefits that best match your lifestyle and needs.

Generally, gas rebate credit cards have higher APR than the regular credit cards and take note, if you are carrying a balance then this type of card is not for you. The important rule for gas credit card is to pay off your card balance at the end of the month. So be aware of the rule what these types of card have.

Although the benefit you will get in this type of card is good. Some offer double cash back at any gas station. So before having this type of card, try to think and plan for it if it suits in your budget to pay off at the end of the month.

People know that gas card offer convenient way to pay for your gas pump and many also come with rewards and incentives that can reduce your overall fuel costs although some are base on your gas purchases while other offer cash back for every purchase you make with your card.

In choosing cash back gas credit cards, always compare the interest rates, the fees and rewards. Look for specific reward terms because some offer specific percentage back on gas purchases and small reward percentage on non gas purchases.

Others have maximum reward percentage each month and others also only allow you to start earning rewards after you have reached a minimum required level of spending.

Be sure you understand the terms completely before making a selection or decision. The most important thing is to know the interest rates or annual percentage rate, since most likely that the interest rates is higher when you cannot pay off the balance at the end of the month. Regarding the annual fee, you need to know because many reward cards come with an annual fee and some charges fees for inactive cards.

Also determine where you can use each card and see to it that you can not only use your card to specific gas chain since other cards can be use in any gas station. Find one that is best and meets your needs.

Many gas cards are competing in the market right now, but one name that stand tall in the market are the Chevron gas cards. Chevron includes Texaco and cards from these firms can earn the car owner cash back on actual gas purchases. Chevron has three credit cards and these cards include the basic, the premium and the so-called business card. Each of these cards has unique advantage and can suit specific needs of the car owners and the drivers. The most popular in the market are the basic cards. And these basic cards are also considered as the best choice for customers who regularly buy gas from Texaco and Chevron gas stations.

The good thing about these cards is that they don’t ask for annual fees and right now these basic cards offer $0.10 money back on the first 500 gallons that the drivers purchased. For your convenience, the company issues monthly statements and the revolving credit system that can also help you manage your debt. In order to take advantage of this feature, you need first to enter a promo that will be initiated by the provider.

The premium gas cards are well-suited for vehicle owners who may want added benefits for travel and other purchases. The use of these cards is suggested to those who want more benefits and rewards. The last type of Chevron gas cards are the business cards and the use of these cards are great for organizations and companies. These cards come with extra security and benefits as well.

When you’re ready to find a credit card reward program that’s going to treat you right, I wanted to show you how you can find the best card for your wallet, or if you’re of the opposite gender, your purse. As long as you put some effort into it, you can get some pretty cool rewards.

By following these tips, I can assure you that you can find a card that’s going to work for you.

#1 Look at your budget – The first thing that you’re going to want to do is look over your budget. Where do you spend all of your money? Do you spend it mainly on groceries? gas? something else? The reason that you’re going to look into this, is because you’re going to want to a card that rewards you.

Let’s say that you spend $600 a month on groceries. You can find a card that will give you 5% cash back on your purchases. By doing so, you’re going to save $30 each month. You will either get this in terms of a rebate on your card, or you will get it at the end of the year in form of a check.

#2 Look at the reviews – Whenever I get something online, one of the first things that I will do is check out the reviews online. I will want to see what other people are thinking about the card, before I sign up for it. What you’re going to want to do is see what kind of vibe other people are giving it. Are you getting a positive vibe, or are you getting a negative one? If it’s bad, you may want to look elsewhere.

#3 What kind of rewards? You just don’t want to apply for a card that’s going to give you 1%, because you can do a lot better than that. Instead of settling for the first card, try your hardest to find another card that’s going to give you the most back.

#4 Make sure it’s a major logo – I would only advise that you get a card from those of Visa, MasterCard, or any other brand. By going with a brand like this, you will know that it will be accepted everywhere.

By following these tips, you can be assured that you can find one of the best reward programs out there that are going to give you a lot of money back in terms of rebates!

Paying for gas with cash is a lot like throwing some of your money right out the window every single time you fill up. And with gasoline prices as high as they have been lately, it’s even worse than ever. But there is good news – savvy consumers have been taking advantage of gas rewards credit cards to take a significant discount off of their gasoline costs each and every time they fuel up and you can too!

Common Incentives for Gas Credit Cards

Clearly the best thing about paying for gasoline with gas rewards credit cards is the money you ultimately end up saving. Some of the best brand specific gasoline credit cards offer 5% cash back rebates (with no total limits) on the total of each and every fill up you pay for with the card. With gas prices at $3.00 per gallon, that’s the same as saving 15 cents per gallon at the pump just by paying with your gas card – it’s that easy. There’s also a variety of gas rewards cards available that offer 3% rebates on any fuel purchases you make anywhere. Some even offer 1% back on all purchases, gas or not.

Rewards Grow Fast for Road Warriors

Using current figures, paying with a rewards gas card will save commuters, road warriors, and even some business card holders hundreds of dollars every year. The rewards grow fast indeed and the best part is that versus paying with cash or a standard credit card, it’s essentially all free money – icing on the cake.

Carrying Cash is an Increased Risk Factor

These days, it’s probably not advisable to carry any significant amount of cash around. Let’s face it – it’s just too easy to lose (or have stolen, for that matter). If you misplace your purse or wallet, you can pretty much be assured that any cash within is as good as gone. On the other hand, if a credit card winds up missing, it’s just a simple phone call and everything is taken care of. Cash is just not worth the extra risk factor when compared to carrying a credit card.

Keep Track of Expenses Better

Another extra bonus of using a gas credit card to pay for all fuel purchases instead of using cash is receiving clear, detailed statements every month. Keeping excellent records can only help those working with a budget and those who like to keep precise tabs on their finances. When spending cash, one category starts to blend with the next one and before you know it, keeping track of everything becomes practically impossible. Gas cards used exclusively for the purchase of fuel eliminate a major slice of this expense tracking problem.

Paying With Cash Takes More Time

Last but not least, consider how many times you fill up your car every year. Let’s assume it’s once a week. Now let’s say that each time you pay with cash it takes an extra 5 minutes to go inside, wait in line, pay for your purchase, and get change. That comes out to almost 5 hours per year of your life that you can have back starting right now just by paying at the pump with a gas credit card instead of cash!