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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Credit Card Rewards

Thursday, May 24, 2007

Picking the right credit card deal for the road!

Everyone loves credit card deals that include rewards programs. These rewards programs can include pretty much anything: frequent flier miles, gasoline credit cards, hotel discount credit cards, cash back rebates and even gift certificates to your favorite restaurants!

Donít believe it? Check out the internet. Online you can find countless credit card deals that have anything and everything you need. If you want to check out your future credit card, look on the internet and start comparing credit cards!

If you have any interest in getting a travel rewards card then you should look for certain things, but first you have to figure out which type of buyer you are!

Who are you?

When you look into your financial situation, you are sure to find out that you are one of two different buyers- frequent buyers or frequent fliers. Figuring out which one is you is an important factor in you finding the credit card deal for you! Below are your options:

Frequent flier: If you fly a lot and would love the opportunity to get free airline tickets then you would fit the criteria for a frequent flier. There are many airlines that give out frequent flier miles just for purchasing items on their credit cards.

To fit this profile you are going to have to spend a lot of money to earn those tickets- usually around $25,000 per ticket (typically it takes around 25,000 bonus points to earn one free round trip ticket). Look for these VISA and MasterCard deals from your local airline.

Frequent buyer: Those who spend a bunch on their credit cards but want more of a variety when it comes to credit card rewards will fall into the frequent buyer profile. Frequent buyers donít seem to travel as much as the frequent fliers but they still want to have the option of cashing their credit card rewards programs in for free tickets, if they want. Most frequent buyers are going to want cash back rebates or merchandise discounts for their rewards.

What now?

Now that you have figured out what type of buyer you are, it is time to determine what is most important when it comes to credit card features. Here is a list of some of the more important credit card qualities:

ēAPR: Many US credit card deals come with low interest but definitely not all of them! Many consumers arenít even aware that the APR for their current credit card is high, until they look closely at the statement! It isnít unusual, especially for rewards program cards, to have an interest at over 20%! Look for zero percent credit card deals that last at least 12 months.

ēPoints for each ticket: Donít just assume that you are getting one bonus point per dollar you spend, it isnít always like this. While many credit cards give you between 1% and 5% for cash back rebates and rewards, some only get that high after you have spent a certain amount! Donít get sucked in!

ēTravel limitations: This is especially important if you are a frequent buyer with a non-airlines card. If you try and use your bonus points on a free airline ticket you may come into a whole lot of travel limitations and restrictions by the airlines. Youíll have to book your ticket well in advance and make sure that you arenít traveling on a holiday or anything like that.

ēOther considerations: Make sure you are aware of how far you are from the airport and what airlines are in the airport. It doesnít make much sense to have an airline miles card if you live 5 hours from an airport and if it doesnít have the right airlines!

Comparing credit card deals

So, you think you know what you want? If you know what type of buyer you tend to be like and what features you like most in a card (lower interests, travel rewards, etc) then it is now time to do some comparing. Comparing the best credit card deals is the surest way to get the best one.

The internet is the first place you should look because many websites put similar cards side by side so you can see them and compare. The top credit cards will shine above the others so keep your eyes open!

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[December 05, 2011]

In a time when banks have begun charging monthly debit fees, baby boomers may be able to find discounts based on their age and experience. Our research reveals some of the best checking accounts for consumers over 50 - and the best part is that they`re free!

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[October 12, 2011]

All data shows that the woman entrepreneur is on the rise.This could be because women tend to work well in groups and are great multi-taskers and communicators. In addition to that, women are also making riskier decisions when it comes to financing their businesses, according to a recent survey by PNC Financial Services. These decisions may have an impact on the longevity of these female-run businesses.

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[September 07, 2011]

With the economic upheaval, obtaining a credit card seems a distant dream, especially if you fail to qualify for any credit card application. Nonetheless, turning into an authorized user, i.e. attaching yourself with a good-quality credit customer`s account and the consent to use it, would boost your credit scores swiftly, and jump start your credit history.

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