Business credit card should be separately used to your personal credit cards. It is not a good idea to merge your accounts into the business credit card as it can lead to complicated consequences, especially to your business. Having a separate business card will not only make things easier for your accountants, but will make things well-organized for you, both business and personal alike.

Business credit cards are a must to businesses. These can be an asset as they enable you to run the financial functions of your business easily and sometimes can even bring along greater savings with them. But these perks can only be realized if you were able to pick the right business credit card.

How can you choose the best credit card for your business?

Here are some tips when buying business credit card around:

First, you have to consider how the business credit card will be used. What purchases are you going to use it for? There is a variety of credit card types for businesses, and from the choices you can decide which will be most useful on you while getting some rewards back, whether in the form of discounts or goods. If you, or some employee, frequently fly you can get the air miles-type of credit card to get discounts on air travels.

Second, the features of the credit card might be of interest to you especially its interest rates and other charges. If you are picky, you will likely end up getting a business credit card with the lowest annual percent rate, as well as low interest rates on your purchases. If you would be lucky, there are business credit cards which do not offer interest rates, instead charges on annual percent rates alone, that you could get. Otherwise, you can look for a business credit card with the lowest possible interest rate.

You may be someone which takes fancy on the rewards after purchases made. Rewards may be of most use to your business such as air miles, free office supplies, and discounts to just about everything that you purchase. Others may provide big discounts when you use the credit card to some establishments such as hotels, restaurants, gas stations, office supplies shops, and others.

Another thing you may consider in selecting a business credit card is those that offer balance transfer. You can take advantage of this feature if you want lighter payments you can make to huge amount accumulated by your other credit card. This is not normal for business credit cards so you might have difficulty finding the right credit card. This offer usually includes 0% APR, but be on the lookout of some hidden charges. Mostly, this is an offer which only takes place several months after the introductory offer. You can find an offer which could be as long several months after 1 year though.

Lastly, you can choose business credit cards which can be used your department heads or other staffs. You can provide the card to several of your capable employees and you can have monthly statements consolidated in one bill. This way, you reduce accounting jobs by allowing your accountant track the expenses easier. For added convenience, you can have a credit card which allows daily tracking of your statements by visiting their online daily reporting website. This makes it easier for you to track how the expenses are going along.

Mario Churchill is a sales person and website owner. He manages a website, http://www.usa-credit-card-guide.com where you can find the best credit card offer for your needs and apply for a credit card today!

In this day and age, credit cards are considered to be one of the most important financial tools in our society. With it, you can purchase almost everything you need in your everyday life even if you still don’t have the cash for it. What you do is you have to pay back the credit card company every month for the money they lent you with interest when you used the credit card to purchase something.

This tool is great especially during emergencies and you have to consider the fact that when you lose your cash, you won’t be able to replace it, but when you lose your credit card, your credit card issuer will be able to provide you with another credit card.

Today, there are different varieties of credit cards available in the market. All you need to do is choose one that you can afford and one that suits your everyday needs. In fact, you don’t actually need to find credit cards as credit cards will find you. Because of the competition for potential cardholders, credit card companies are now mailing people randomly with credit card offers. In fact, a salesperson may have already knocked on your door to offer you credit cards.

When you are interested in applying for a credit card, you have to know what kind of credit card is right for you. Always remember that there are different kinds of credit cards designed for different kinds of people. The first question you have to ask yourself is if you can afford to have a credit card.

You also need to look at the different credit card offers as there may be some information that will be left out in the advertising or in the offer. Usually, credit card companies will offer you low interest rates, no annual fees, low APR and other attractive offers. In fact, some even offer zero interest rates and zero APR. If you think that this is too good to be true, then there is a great possibility that it is.

Ask the company that is offering you the credit card about their offers and ask if the low interest rates they offer in their credit card is either promotional or fixed. If it is fixed, then you may have struck gold and will be enjoy a lot of benefits with low interest rate monthly bills. If it is not, ask how long the promotional interest rate will last in order to know what to expect on your credit card bills in the future.

Never get blinded by other kinds of promotional offers that credit card issuers offer, such as free TV, free toaster ovens, free t-shirts, free microwave ovens and other freebies. This is only a marketing strategy to blind people in realizing that they are signing up with a credit card that has a high interest rate and high annual fee.

Always remember that you should only get a credit card that you can afford. Never sign up for anything just because it offers a lot of rewards and points when you use it. If you do this, you will just end up spending a lot of money from the purchases you made and accumulate high amounts of credit card debt. The best thing you can do when applying for a credit card is read the agreement stated on the credit card you are interested in. By doing this, you will be able to know the real deal inside the credit card outside the promotional offers.

Mario Churchill has written many articles about the benefits of business and college student credit card offers and runs a website on locating the best credit card offers for your lifestyle.

Credit cards have been very commonplace that identity theft has also become one of the most common crimes being done today. The severity of this problem has blown out of proportion and hundreds of millions to billions of dollars each year are being stolen because of this.

The US Congress has put up laws to curb the rise of identity theft but it hasn’t made a major dent yet. While we have laws that help us in becoming victims and also punish those caught committing them, it is also up to us to protect ourselves from identity theft. And one of the most effective and easiest way to do this is by protecting our credit cards.

One sordid fact that the US Federal Trade Commission have released to the public is that victims of Identity theft can take an average of a year before they even know that they have been taken by identity thieves. So by the time a person realizes this, he or she may already be deep in debt.

It’s not the time though to panic. Identity theft can be curbed and prevented. All you have to do is to ensure that your credit card and your credit card information is not known to just anyone. There are very simple precautions one can do to ensure the safety of your credit card.

First off, always know where your cards are. If possible, don’t go shopping with a number of cards with you, this may create confusion. Only take a card that you will be suing with you. When paying with your card, never let it out of your sight. Make sure that your card will be charged in your plain view. Some people may copy the information as well as the all important security number at the back of the card and use it over the internet.

Memorize your PIN (Personal identification Number) and don’t trust anybody with it. People may use your credit card to withdraw money. So if you have received your credit card make sure to memorize it and quickly destroy the paper where it is written. Also, make sure not to write down your PIN and store it in your wallet. Your credit card and the PIN should never be together, in case you lost your wallet, the person who finds it would find a hard time using it without the PIN. Make sure to report a stolen or lost credit card immediately, this will prevent it from being used by anyone.

Also, be wary of emails that will ask you for your credit card details and information. This is called phishing, there are a number of scammers in the internet who would use email as a means to scam you out of your hard earned money. You may think that the email came from reputable establishment or financial institution offering great deals but they may just be from these scamming people. Make sure to delete this type of email and never provide information to it.

One great way to check if you are already a victim of identity theft is by checking your credit report once in a while. This is no problem since it can be done online and it is also free. You can find a number of websites which can provide you with this information. So be on your guard and protect your identity by protecting your credit card.

Mario Churchill offers low interest credit cards for business, students, or personal use while consolidating and eliminating bad credit debt. Apply for a credit card today!

Generally, young men and women who have finally reached financial stability clamors to having their own credit card to be able to not only avail of its benefits and the conveniences it provides but also to feel more like an adult.

When they finally get their hands on their very first credit card, they can feel the surge of responsibility and being finally a part of the society where credit cards play a definitive role. Admittedly, being a grown-up can be symbolized by acquiring ownership of a credit card. But this is an ownership that need serious consideration because of the discipline it entails with the responsibilities that come with it.

Any young adult can be overwhelmed with the power, purchasing power that is, that comes with having a credit card. Without any control, anyone can get into serious financial trouble, even adults who have had credit cards for many years already but have made some grave mistakes.

These grave mistakes can make a really big dent in a person’s financial situation and can setback success a few years. That’s why when considering a credit card application it is essential that certain steps be taken and also, see what you should check up on about them.

Check out all your options. If you leave alone and you have a stable job, then its most likely that you receive a lot of mail offering certain credit cards that come with a lot of promises. These companies may try to attract your attention with freebies that can sometimes be rally enticing. But try to remember that these may just be the bait. You may be heading to a disaster which is named “High Interest Rates.”

So think about the long term, try to shop around and look at your options. You can also try the greatest venue for information today, the Internet. There are thousands to tens of thousands of websites that offer online application for credit cards and a number of them do provide quality deals and promos.

Check out the annual percentage rate the credit card company is offering. Some of them may lure you with low interest rates but in a variable rate form. This means that you may indeed have low percentage rates but only in the beginning, after a grace period, the interest rates may go up doubling in value and sometimes more. Calculate the difference of their promo to a fixed rate card being offered as well and see which have a lower annual percentage rate.

Also, check out the fees (annual fees, penalty fees, membership fees, etc.) the card entails. This may add a lot to your bill balance and may cause you to spend money on something you didn’t even purchase. Avoiding going over your limit and paying your balances on time should of course prevent from being charged with penalty fees but you never know, there may be times that you commit the mistake and it is essential that you are not punished severely with fees for your oversight.

With any contract, you should thoroughly review and scrutinize the agreement especially the fine print. A lot of companies have placed loopholes in contracts which allows them to back off on an agreement and take away the promos and benefits they have provided initially.

Mario Churchill is a professional analyst of the credit card industry and writes articles related to credit card applications and credit cards in general.

American Express dedicates its financial services typically around travel-plannings, and offers great travel rewards with its credit cards. The Hilton HHonors Platinum Credit Card from American Express is one such service meant for those frequent travelers who wish to grab the lucrative discounts on stays at Hilton Family Hotels.

Hilton Family hotels have a worldwide networking. If you plan for frequent stays at Hilton hotels and enroll in the Hilton HHonors Platinum American Express program, you will obtain points for money spent on purchases and stays at HHonors hotels. These points can be carried forward for free hotel stays, travel rewards, and other benefits.

How Do You Earn The Points?

The key reward program of Hilton HHonors Platinum American Express is the points, which you earn through purchases redeemed at hotels within the Family of Hilton hotels. To know more about the points go through the details:

-Essentially, you can earn five bonus points for each dollar spent in Hilton family of Hotels, along with three points for every dollar, towards hotel stays in future. You can also earn 5 points on eligible purchases from restaurants, grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, supermarkets and similar avenues.

-Get 10000 HHonors bonus points after your very first purchase with the Hilton HHonors Platinum Card, which is enough for a free night’s stay at any of the Hilton Hotels.

-For the first 4 stays, you will earn 2500 at a Hilton Family hotel and 500 points for each stay after that. Not only this, you can earn frequent flyer miles along with bonus points for a qualifying hotel stay.

-Your points will be redeemable once you go past the 7500-mark.

-Points never expire as long as the card is active (at least once each year) and there is no yearly-limit for points that can be earned.

The free night will depend on the category of the hotel you choose, normally an opportunity category hotel costs around 10,000 points, whereas a category 6 hotel would take 40,000 points.

Some Features

Have a look at the some of the features of Hilton HHonors Platinum American Express that you would like to be familiar with:

-There is no annual fee
-Get bonus points for free stays at Hilton family of hotels
-Additional benefits and services in hotels for cardholders.
-There is no pre-set spending limit,

-The introductory rate for purchases is low

-No balance transfer fee in the beginning. Although, future balance transfers may incur a fee which is already divulged at the time of the applicable transaction.

The initial APR is 2.90%. This continues for the first six months and then the rate climbs higher.

More Details

Other fees attached to Hilton HHonors Platinum card include:

-Late fee of $19 on balances upto $400 and $38 on balances of $400 and above

-Over limit fee of $35
-Cash advance fee of 3% and $5 minimum for Express Cash transactions

Other benefits

Apart from reward program and signature benefits, Hilton HHonors Platinum American Express does offer you the several common benefits and services which include- auto rental insurance, various services related to protection services, travel accident insurance, and discounts from the Offer Zone (it provides access to discounts, offers, and special events).

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American Express Bank has launched for the frequent Costco Shopper a specialty card, named the TrueEarnings from Costco and American Express. Equipped with this very beneficial card, you will enjoy great money back offers, especially on purchases you make at the Costco. Besides, the TrueEarnings from Costco and American Express also serves as an ideal personal card – meeting your personal needs right from business to dining, shopping and travel needs.

The Key Features

The TrueEarnings from Costco and American Express Card offers a 0 percent introductory annual percentage rate (APR). This facility is available for the first three months and is applicable on both purchases and balance transfers.

With the expiration of the first three months, the APR then changes to 17.24 percent. But since the APR is variable it can fluctuate according to the change of the prime rate, to which the APR is tied. The program’s terms and conditions will enable you to calculate the APR precisely and easily.

The Rewards Program

The TrueEarnings from Costco and American Express Card gets you 1 percent cash back if you use the card at Costco. You also earn 3 percent for using the card at any restaurant or for placing orders for home delivery. Again, if you use the card for airline tickets, car rentals, cruises and hotels, then you can bag 2 percent cash back. Online purchases using the Costco website is also rewarded with cash-back.

The card also helps you to have easy access to the OPENSM, which is a small business team from the American Express. Your OPENSM connection will help you gather necessary information like online expense management reports, savings at FedEx, Hertz and other information about your business.

The other benefits offered by the card incorporate automatic savings with partners when using the card to purchase long distance services, car rentals, shipping services and many more.

The Costco members can avail homeowners insurance services, loans and credit from OPEN, and also financial planning services.

Since the card does not hold any minimal limit to how much you can spend to receive your cash back, so you can earn as much as you want.

The Other Advantages Of The Card

The card offers a sea of benefits, which are truly trustworthy and very lucrative. The card provides coverage for theft, loss or damage, purchase warranty, emergency card replacement, travel accident insurance for up to 100,000 in accidental death. The coverage for the loss is applicable for the first thirty days for renting an auto from the car rental company. With this card, you can also have access to your account online and view the up-to-date billing information like transaction, charges and payments.

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The year 2005 was a witness to the introduction of ONE from American Express. This was a card equipped with a ‘Savings Accelerator Plan’, depositing 1% of the eligible purchases into your high yielding FDIC insured savings account.

Advantages of ONE from American Express

If you are a compulsive shopper, but love to save, then the American Express ONE Card will help you to save for your future. When making a purchase with this card, you can avail of the ‘Savings Accelerator Plan’, which will automatically open/assign a FDIC-insured High-Yielding Savings Account in your name and remit 1% cash back of the eligible purchases in the account.

The One card offers a special feature known as the Interest Protection, which does not require you to pay interest on the new purchases, irrespective of whether you make full payment of your bill at a time or make payments overtime.

There is no set expenditure limit, and thus you can spend a bit more if you wish. This leaves you free for carrying a balance for the last month’s vacation. The purchases are approved depending on the cardholder’s credit rating. A Spend Tracking Alert will notify you when you have reached the monthly spending amount.

If you are an impulsive buyer, then the ONE from American Express is the right choice for you. The savings accelerator of the card deposits 1% of each buy into your savings account and on the other hand gains an annual percentage yield of 4.25% (the rate is variable). Furthermore, the account has no maintenance fees, no penalties for withdrawals and no minimum balance. The money is all yours and you may save it or use it.

Other Benefits

The cardholders of ONE from American Express are facilitated by its purchase protection program, buyer protection program, travel bonuses, global assist hotline, car rental insurance, emergency card replacement and return protection program.

The card does not have any introductory period, but the Annual Percentage Rate (APR) of the card is quite reasonable. It is a great option for you, if you do not much bother about frequent flyer miles and discounts available at the hotels.

The other features include a cash back offer $50 after your first purchase. The first year fee-free option lets you have a $35 savings. The cash back rebate program is the best feature of the One card. You will definitely benefit from Card One from American Express, if you want to use this card at participation merchants and retailers and if you are making full payments at the end of a month. The bonus advantage is that all the new card members will receive a $25 bonus added to their savings account, on their first purchase.

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The new card, BLUE CASH from American Express is a great rebate program, presenting you ample opportunities for earning cash back on purchases. The card is apt for you if you make huge expenditure every year on purchases. The yearly credit on your account appears to be a good reward if you do not need frequent discounts on flyer miles or for hotel stays.

Avail the rebate benefit offered as part of the BLUE CASH from American Express and its competitive APR will allow you to carry a balance without getting yourself in a debt-trap.

Benefits Of The American Express’ BLUE CASH Credit Card

The BLUE CASH from American Express offers you anything between 0.5% and 5% cash back on purchases. You can avail of this offer even at gas stations, drugstores and supermarkets. The card provides you 0% introductory Annual Percentage Rate or APR for 6 initial months, offering you the choice of making full or overtime payments. All the more, you can avail of these benefits without any annual fee.

The card also offers a low balance transfer rate and a fixed APR of 4.99% for the balance period. You can also make flexible overtime payment. The regular APR rate is 13.24%.

The BLUE CASH from American Express is renowned for its cash back on purchases. The lowest rebate allowed is 0.5% and the highest rebate allowed is 5%. General purchases makes you eligible for 0.5% rebate if you spend less than or equal to $6,500; as your expenses pass the $6500-mark, you get a discount of 1.5%. ‘Everyday Purchases’ earn you 1% rebate up to the $6500-limit and 5% over $6500.

Like the other American Express cards, the BLUE CASH from American Express is a heavy-duty package offering extra benefits. The shoppers, making use of this card can and do enjoy extended warranties, purchase protection, return protection and fraud protection. If you are a frequent traveler, then you can avail of special travel offers, assured hotel reservations, a global assist hotline and an emergency card replacement service. There are also medical and legal referral services on the offer.

However, there are some regulations involved and thus you are allowed to use the cash-back money only after 14 months have elapsed following your opening of the card. The cash back rewards are a credit on your monthly statement, blessing you with savings, but do not expect the card to regularly put cash into your bank account. To avail the services of the BLUE CASH from American Express, you can apply online.

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For years Advanta has ingeniously utilized its financial knowledge and great managerial, promotional and customer service expertise to erect a long-term strategic client partnership. Now, they have a special Advanta business credit card on offer.

Business owners tracking for a credit card that would take care of all their business expenses will end their search at Advanta Platinum Business Card MasterCard. It’s a better alternative for your Business Card enclosing rewards you’d love to add to your kitty.

Special features

Just go through the features to find out for yourself, what is so special about Advanta Platinum Business Card MasterCard

-The platinum credit card has no annual fee on the card and for the first twelve months you’ll get an attractive 0% introductory rate on purchases and balance transfers.

-The actual reward associated with this card is the exceptional credit line of up to $50,000. Now, this is a good option for those who charge on just about everything, yet are not willing to be restricted by lower credit line.

-When the introductory tenure ends, the interest rate is a variable 13.49% for both cash advances and purchases, although the rate for cash advances is directly tied to the cardholder’s credit and will be 5.99% or 12.49% plus Prime Rate.

-With minimum of $5 you can access a cash advance of 3% and with convenience checks a maximum of $50.

Supplementary Services

-Through Credit Line request –you can manage your account online

-You’re given a free primary vehicle rental insurance

-Your money is secured with an automatic theft and damage protection cover

-Special Savings On Business Products and Services will help you to enjoy benefit of discount of up to 25% or more with subsequent companies and others as listed below:

1) Palo Alto Software
2) IBM
3) Ramada Inn
4) Penny-Wise Office Products and more

Additional benefits and services

Advanta Platinum Business Card MasterCard is always a handsome bargain in terms of the additional benefits and services you’re allowed. If you have planned to manage maximum benefits from your credit card, scamper your eyes over the additional benefits below, which you could derive as a cardholder:

-You can do free online bill payment. So, you can save your time and money by making payments to your online Advanta account

-Have your personalized and billing date and checks.

-You can avail online Statements and Management reports

-Authentic protection for purchases and extended warranties with your card

-You are getting services and products discounts from participating retailers and merchants outlets

-Attuned to both Microsoft Money software and Quicken

These are some standard business account benefits enjoyed by any average business owner resorting to Advanta Platinum Business Card MasterCard. Even though you find the rate a little high as compared to that charged to an individual with good credit, well it’s sensible if your account doesn’t carry a balance always.

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The Advanta Bank, which was founded by Jack Alter in 1951, caters to the financial needs and requirements of small business proprietors. The Advanta Bank introduced the Advanta Platinum Business Card to enable the business owners prosper in their businesses and create better opportunities for them.

The Platinum Business Card from Advanta allows small business owners to consolidate all their business-related expenses into a single credit card account. This is a great advantage indeed but the Advanta Cash Back Credit Card rewards are, beyond doubt, the strength of the Business card.

Before we proceed with the Advanta Cash Back Credit Card rewards, let us have a look at the card features:

·The card charges no annual fee and this is very unusual with credit cards.

·The card offers a 0 percent introductory annual percentage rate (APR) on balance transfers for the first 15 months. Then the APR changes to 7.99 percent. The most crucial point is that it a personalized card and therefore you can have your name on it. The low competitive interest rate allows you to carry the balance to the next month.

Rewards Program

The Advanta Cash Back Credit Card Rewards program promises you a host of benefits:

You can bag a full 5 percent rebate on purchases of gasoline, diesel, electronics, online advertising, other select items and products. You will also have an opportunity to earn 1 percent rebate on all the other purchases.

The rewards program enables you to earn points, which can be used for bonus cards, merchandise and gift cards or for travel rewards. You can earn one point for every dollar spent on all purchases made with the card. There is no limit to the number of points that can be earned in a year. But in a three-year time period the points are bound to expire. (During the billing cycle if your unpaid rewards reach $50, then you will get a $50 check.)

The other benefits of the card include insurance benefit for a rental car, access to the online account for monitoring the purchases and bill payments, online statements and management reports, warranty on purchases and many more benefits.

Equipped with card, you can also get discounts on those products and services, which are bought from those merchants who are a part of the Advanta network.

The Extra Benefits

The credit card allows the customers to enjoy a large number of benefits like auto rental insurance, purchase protection, extended warranty for purchasers, access to travel rewards or rebate program, personalized business checks, personalized billing dates and many more. The card also allows 0 percent fraud liability.

Richard Gilliland Provides Expert opinions and reviews to help you Compare and Apply for a Credit Card - Compare Credit Card Offers with Credit-Wisdom.com - Unraveling the best in Personal and Business Credit Cards.