Credit Cards

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The convenience of credit cards is unmatched so far and almost everybody has one now. They bring tremendous ease in your daily life by allowing easy transactions in times of emergency need or in times when you may not have enough cash with you. They also protect you when any shop or any service provider refuses to acknowledge any part of the transaction. Another big advantage of them is that if your credit card is stolen or lost by any chance, you can block it immediately from saving yourself from identity theft and from a long list of credit card bills for purchases, you do not remember making.

What are travel and airline credit cards

Credit cards come in various types and one of the most common types is travel and airline credit cards. These are the cards, which have a low annual percentage rate and allow you to collect rewards as you go on using them. Let me explain how they work. Airline or travel credit cards are issued by your bank in partnership with the airline they are tied up with. Therefore, as you use these credit cards for purchasing airline tickets, you go on accumulating rewards or “frequent flyer miles”, as it is known in the airline industry.

What are the benefits of Travel Rewards Credit Cards

You can redeem these miles or rewards for hefty discounts on your air travels after you have accumulated sufficient amount of them. Most banks let you know about the minimum amount of reward points you need to accumulate in order to redeem them to your advantage. Depending on how frequently you travel, you may gather all the points in one year or in just six months flat. These credit cards also allow you to earn points from certain airlines they are tied up with and they enable you to use the card with the airline you prefer. The reward points can also be redeemed at hotels, cruises, car rentals and other such expenses related to travel.

What’s more, some of these credit cards also offer you free balance transfer from high value credit cards for a period ranging from 6 months to 1 year. Let us look at two of the popular travel and airline credit cards

Discover Miles

This is one of the credit cards, which allow you to transfer your balance from another credit card at no interest. It also allows you to earn one reward point or flyer miles for every $1 you spend. If you are an active cardholder with no outstanding dues against you, then you may be allowed to accumulate unlimited reward points as well.

Visa Signature Alaska Airlines

You can apply for this card online and get 6000 reward points or flyer miles instantly. What’s more? This is one of the few cards, which award you with 2000 reward points every year! You can redeem the points with Alaska Airlines or any of its other partners.

Business Credit Cards

Credit card companies for small business holders offer business credit cards and these cards come along with various lucrative offers and schemes. A recent study of these credit cards revealed that using them is very beneficial for small business holders, and in this article, we will discuss their various advantages and how you can gain from them.

Business credit cards carry a low Annual Percentage Rate when compared to normal credit cards. The interest is usually around eight percent and they come with an introductory offer of 0 percent APR for a pre-defined period. Most of these cards provide you with an annual card summary that serves as a good way of balancing your business related expenditures very effectively and efficiently. You can save a lot of money by just choosing the card suitable for your needs.

The different schemes offered by business credit cards are as follows:

  • Earning points – You can redeem these points with different vendors for all your business related supplies.
  • No limit to spending – Business cardholders can enjoy an unlimited spending power because these cards do not have any spending limit attached to them.
  • Low APR – This feature allows you to pay low interest rates every year.
  • Flexible Payments – This feature saves you from the worry of paying the outstanding balance on your credit card.

Advantages offered by Business Credit Cards

  • These cards come with credit limits, which are flexible. Therefore, you get enough time to save money and run your business. Extra credit may also be provided to you and you will need to pay that by the time the term ends.
  • You also get other advantages like frequent flyer miles, cash back offers and even free hotel stay. Other advantages include the introductory 0 percent interest rate and zero annual fees.
  • Expense reports are sent to you by the credit card company to help with keeping track of all your expenditures related to business.
  • Another big advantage is that you can easily deal with bad credit by making the payments on time. Usually business credit cardholders should maintain good credit in order to increase their credit limit later.
  • You do not need to carry cash while you are travelling for your business. Your business credit card will take care of all the expenses.

How to select the right Credit Card

Always confirm the duration for which the 0 percent interest rate is applicable.

Compare cards online and choose the one that is suitable for your requirements. Always go for cards with the introductory offer of 0 percent interest rate. Such cards are great for your business because you will be able to pay back the full balance on time. Also, look for cards that come with unlimited cash back offers.