Credit Cards Blog

Almost all major banks and credit card processors have a card tailored specifically for small businesses. Before you jump in and sign up, it pays to first think about the new credit you're taking on.

A business owner can usually get a higher credit limit on a business card than on a consumer card, and typical rewards include business-friendly discounts, like on shipping and office supplies. They also help keep business and personal finances separate.
"Almost any business credit card will fulfill about 80 percent of what you need, but the extra 20 percent is more nuanced depending on how you plan to use it," says Ben Woolsey, director of marketing and consumer research at Austin, Texas-based CreditCards.com, a review and comparison website.
Review sites such as CreditCards.com, CardRatings.com, and Bankrate.com offer online tools to compare interest rates, rewards programs and annual fees. Regardless of which card you chose, there are three questions you must ask yourself before signing up.

1. Do you really need it?
While it's tempting to sign up for a credit card at the first sign of a cash-flow crunch, avoid making a knee-jerk decision, Woolsey says. Most consumers already have four or five credit cards in their wallets but only really use one. If that's you, then consider designating one of your personal credit cards for business purposes only.
Also, remember that credit card processors and banks will use your personal credit history as a reference for the business card. If your business doesn't make it and you have to declare bankruptcy, your personal credit score is going to take a hit.

2. What are you going to use it for?
If you plan to make large purchases with the credit card that you can't pay back immediately, your top priority should be to secure a card with the lowest interest rate you can find. But if you're looking mainly for convenience, such as ordering monthly supplies that you plan to pay off each month, then search for the card that offers the best rewards programs.
While you might prefer no annual fee, sometimes the perks make the fee worth it. "Before you pay an annual fee, you should ask yourself: Am I getting something above and beyond that justifies the annual fee?" says Woolsey. For example, one American Express business card -- with an annual fee -- comes with complimentary entry into airport lounges, a popular perk for frequent travelers.

3. How organized is the rest of your financial life?
If you aren't on top of all of your bills, you run the risk of having your interest rates raised without advance warning on a business credit card. While the Credit Card Accountability Responsibility and Disclosure Act protects consumers from predatory pricing, business cards are not covered in the law.
"Small business cards are still subject to the whims of the card industry in terms of the pricing policies, fee policies," Woolsey says. A credit card issuer can look at any publicly available source of information about you to determine your risk profile. "If you have been late with your water bill or cable bill, they can jack up your interest rate even if you have been current on the small business account," he warns.

Read more: http://www.entrepreneur.com/blog/223926#ixzz2g4ni9WSv

When your company needs a little extra credit, it might be tempting to fill out one of those business credit card offers stuffed in your mailbox. Before you act, here are a few things you should know.

1. Small-business cards aren't regulated by the 2009 Credit Card Accountability, Responsibility and Disclosure Act, which protects consumers from such practices as arbitrary interest-rate increases. The Pew Health Group warns that such an increase could amount to hundreds or thousands of dollars in extra costs for your business. Just check the fine print: Some issuers have voluntarily adopted these protections.

2. While consumers often look for cards with no annual fees, credit card expert Beverly Harzog of Credit.com says small-business customers should evaluate the full package of costs and benefits, which may include baggage insurance, concierge service, employee-expense tracking and even access to airline clubs. "If the card is offering you something you'd otherwise pay for or that's worth it to you--like having a comfortable place for employees to work if they're stuck in an airport for hours--then it may be worth it to choose that card," she says, "even if it has an annual fee."

3. Small-business cards are typically issued to the business owner specifically and often require a personal credit score of at least 720 out of a possible 850. And most cards report late payments to both business credit bureaus and the business owner's personal credit reports.
Small-business cards can be good for building business credit and racking up perks, especially if you can channel your expenses onto the card. But beware of carrying a balance, and be sure you can pay the bill on time so you don't damage your personal financial profile.

Ref: http://www.entrepreneur.com/article/223033#ixzz2g4Yy5grb

More than 80 percent of small-business owners use credit cards, according to the Federal Reserve. But some make the mistake of reaching for plastic too soon when starting up their businesses and reduce their chances for long-term success.

Nearly 60 percent of start-ups rely on credit cards for financing during their first year of business, according to a recent study from the Ewing Marion Kauffman Foundation, and for every $1,000 increase in credit card debt, a firm's chances of survival decrease by more than 2 percent.
What's so problematic about funding a start-up with a credit card?

It puts personal finances in jeopardy and increases stress.
People often assume that small-business credit cards insulate the owner's personal finances from the company's. But that's just not true. Whether you use a business or consumer card, you're going to be personally liable for debt. So, relying heavily on a credit card for financing could significantly increase the pressure you feel. If things don't go as planned, you not only will default on your business debt, but you also will face serious ramifications on a personal level.

You will have limited funding.
How much money you're able to glean from a credit card is largely a function of your credit standing and income. Many entrepreneurs are young and often at a disadvantage when it comes to those factors. And even if you've managed to garner high credit lines, they will likely be insufficient to cover the costs of getting a business up and running.

It's harder to weather tough times. 
Credit card debt is expensive: The average interest rate for a business card is about 15 percent. Given that you're unlikely to have much money in reserve, an economic downturn or lag in sales could prevent you from making even minimum monthly payments.
Given those problems, why do entrepreneurs repeatedly turn to plastic in their search for start-up funds?

Credit card funds are easier to come by.
Getting approval for a credit card account usually is easier than qualifying for a bank loan, especially in the current economic climate.

Entrepreneurs are often reluctant to ask friends and family.
They are too shy or proud to approach loved ones and acquaintances about investing in a budding business venture.

Entrepreneurs don't want to sacrifice equity to investors. This is perhaps the biggest reason that entrepreneurs are hesitant to bring on investors: They don't want to give up a slice of what could end up being a lucrative pie.

How can entrepreneurs avoid the perils of credit card funding?
The primary way is to seek investors early. By putting together a solid proposal -- complete with a detailed business plan and projections for both future revenue and potential return on investment -- you'll be putting your business in the best possible position to succeed.
If you fund your startup through equity rather than credit card debt, you won't have to waste crucial early-stage revenue paying down debt or the interest associated with it. More money will therefore go into making your business a success. And even if it doesn't pan out, there will be far less personal risk. You won't have to worry about catastrophic damage to your personal finances, which means you'll be able to bounce back more quickly.

Despite these caveats about using credit card debt to fund startups, it's important to remember that credit card use in and of itself is not a mistake. Not only will a credit card allow you to earn rewards on everyday expenses, but it also will help with cash flow because you'll have up to 55 days from the time you make a purchase until a payment is due. In addition, if you're a young entrepreneur, responsible use of a credit card will help you establish a positive credit history.
That will be very important when your business has matured enough to move to the next level and seek a bank loan.
When you're choosing your credit card, make sure you don't fixate on those branded for business use. There's no reason why you can't use a consumer card for business, especially considering the fact that you'll be personally liable with either kind of card and consumer cards actually have better legal protections. Consumer cards are protected under the CARD Act -- a law that eliminated many of the unscrupulous banking practices prevalent prior to the Great Recession -- but business cards are not.

Ref: http://www.entrepreneur.com/article/224350#ixzz2g4RNOLoo

It's true that careless use of credit cards can put you out of business faster than you can swipe your card through the reader.
When used effectively, however, a business credit card can simplify your financial record keeping--and maybe even earn you a little something "extra" for your diligence, too.

Here are 5 ways a business credit card can help:

1. Separation of personal and business finances
All business owners know how important it is to keep personal finances separate from business finances. A simple way to do this is to obtain a business credit card that's used only for business-related expenses and purchases. When the statement comes, you'll know without a doubt that every transaction listed is associated with your business and can avoid having to review the statement carefully to highlight or circle any expenses that don't belong with your business records.

2. Track employee spending
Most businesses have an employee who's responsible for paying small bills or making purchases on behalf of the business. It can be time-consuming to require that every transaction get your approval before making the payment, especially if vendors come looking for payments when you're in meetings or out of the office. An easier way to keep track of employee spending is to issue designated employees credit cards in their names, linked to your business account.
Most credit cards let you set monthly spending limits per card, so you'll have some peace of mind knowing your employees aren't charging excessively.
When your billing statement arrives, the transactions will be itemized and divided based on which employee made the purchase. If an employee abuses his or her credit card, you'll know before it gets out of hand.

3. Reduce time balancing your checkbook
When you get into the habit of using a business credit card to pay for all of your monthly expenses and purchases, you'll benefit from the reduced time required to balance your checkbook. Instead of having numerous transactions in your checkbook register each month, you'll be able to write a single check to the credit card company. This makes it faster to balance your checkbook and reduces the margin of error since there will be minimal transactions to keep track of.
If you get into the habit of paying the credit card in full each time the statement arrives, you can eliminate the need to pay interest on your purchases by using the grace period. Check with your particular credit card, but most offer at least 20 days' grace, meaning payments made in full within this time period are made without interest accruing.

4. Useful financial statements
In an effort to serve their business customers better, many credit card companies offer a range of reports. In addition to monthly statements, you can also receive quarterly and annual reports to categorize your spending. These additional financial reports can make tax time a breeze. Instead of searching through boxes and files for statements and records, you'll have just about everything you need on a single printout from your credit card company, categorized by the type of expense (gasoline, office supplies, travel, food and hotel, miscellaneous, etc.).
Some credit card companies also allow you to generate custom reports as needed. If you need a list of all payments made to a specific vendor over a certain time period--enter in the details and print out your report!

5. Extra benefits of business credit cards
In addition to making your financial record keeping easier, using a business credit card to handle the majority of your business expenses and purchases allows you to accumulate rewards faster.
Choose a card with rewards you will actually use--if you travel frequently, go with a card that offers airline miles, hotel stays, car rental discounts or free trips. If you don't travel much, choose from one of the many other types of rewards cards, and save on office supplies or gasoline, or get cash back.
Using a business credit card allows you to increase your productivity because it helps you save on time spent managing your financial record-keeping. For small businesses, switching to an all-credit-card system may even eliminate the need for a bookkeeper.

Read more: http://www.entrepreneur.com/article/196036#ixzz2g3xlFwjw

When starting a business you'll likely end up accepting credit or debit cards, which means hiring a third-party processing firm to manage the transaction between you and the card giants.
Visa and MasterCard manage the overwhelming majority of the credit and debit card network but don't work directly with business owners. They outsource sales and customer support to processors, says Amad Ebrahimi, founder of MerchantMaverick.com, a credit card processing comparison and review site.

Processors are also commonly known as merchant account providers or aggregators.
“The seller has more information than the buyer, so anytime you have a situation like that, it is like a used car sales lot,” Ebrahimi says. As a result, these aggregators are often criticized for confusing merchants with complicated payment schedules and fees.

To prepare for this complex marketplace, here are five questions to ask to make sure you're getting the best deal.

1. Is there a cancellation or early termination fee?
Ideally, you want a processor that won’t charge for this. But if you must pay a fee for leaving before your contract expires, it should no more than $200 to $400, says Phil Hinke, the founder of MerchantFeeSavers, dedicated to helping business owners understand the industry. Hinke also warns business owners to avoid processors that stipulate a “liquidated damages” termination fee, which means you'll be charged for the estimated amount of the full contract, if you cancel before it expires.

2. Is the payment processor compatible with your online shopping cart?
 Some processors have proprietary software that may not work with your online shopping cart, so check this before you sign up. The software that connects your online shopping cart and your processor is known as the 'payment gateway.' Ebrahimi says most processors work with a company called Authorize.Net, which has fairly universal software.

3. Is interchange-plus pricing an option?
If the answer is no, go elsewhere. With interchange-plus pricing, you can see exactly what MasterCard or Visa charges (the interchange fee), plus what you're paying the processor. If you're locked into a tiered-payment system, however, fees are not as easily identifiable: You could be charged one of three different fee levels for each transaction, depending on the type of card (i.e., airline credit cards cost more per swipe than standard ones) and how it's processed (i.e., if the customer is present, it'll save you in fees). Processors can more easily overcharge you in this pricing structure, without you recognizing it.

4. What fees will I be charged aside from the cost of each transaction?
Processors may tack on annual or monthly fees, regulatory fees, compliance fees, and statement fees. Be sure to ask about this upfront. Hinke says these fees generally shouldn't total more than $200 per year for brick-and mortar-merchants -- and no more than $300 annually for ecommerce retailers because of additional service fees associated with the online shopping cart.

5. What customer support is available?
You are going to need help when, for example, your terminal malfunctions. Look for a processor that offers phone support available 24 hours a day, 7 days a week, says Ebrahimi.

Finally, don’t be talked into leasing a terminal, which is the machine where customers swipe their cards to pay. Hinke says he has seen novice merchants lease a terminal for as much as $139 per month, when purchasing one would only cost between $200 and $350. If you decide to buy, Hinke says to chose a terminal that can be used with different processors – such as VeriFone or Hypercom brands -- should you need to change service providers.

Ref: http://www.entrepreneur.com/blog/223696#ixzz2g3o0x4ev

The oft-repeated survival statistics: Only about a third of startups survive to celebrate their 10th anniversary, according to U.S. Census Bureau and Labor Department data, and only a quarter last until their 15th. Making it as a small-business owner is tough.

There are many ways to increase your company’s survival odds, but one of the easiest is to control your use of credit-card debt. Too often, entrepreneurs don’t make the best use of their accounts and end up hurting their businesses. Here are seven of the most common credit-card slipups to avoid.

1. Ignoring your personal credit standing:
Credit-card issuers pull personal credit reports when making business-card approval decisions because to them, a small business is its owner. So, it’s crucial to try to maximize your personal credit score before applying for a business card. Start by visiting annualcreditreport.com and ordering a free copy of your major credit reports (Experian, Equifax and TransUnion). You can check for inaccuracies that could be dragging down your credit standing, as well as get a sense of whether there is any negative information that you will need to devalue to improve your score. The most efficient way to do so is to get a new personal credit card and either lock it away unused or pay your bill on time each month. This will relay positive information to your credit files on a monthly basis.

2. Leveraging credit too early:
The numbers speak for themselves when it comes to the dangers of relying on a credit card to power a company through its infancy: For every $1,000 in credit-card debt that a small business takes on, its chances of long-term survival fall by more than 2 percent, according to a study from the Ewing Marion Kauffman Foundation. If you rack up a huge balance from the get-go, you will likely waste money on interest payments and won’t be able to reinvest in your company as freely as you might otherwise.

3. Being wed to only a small-business card:
Most people assume business credit cards are the plastic of choice for small-business owners, but for purchases you won’t be able to pay off within a single billing period, you actually could be better off using a personal credit card. Credit-card issuers are banned from increasing interest rates on personal-card balances in the absence of 60 days’ payment delinquency, but this rule doesn’t apply to business cards. So, you could face unexpected higher interest charges if you carry a balance on a business card, potentially disrupting your cash flow and strategic plans. Using a personal card won’t affect your liability; you’ll be personally liable for your small-business spending no matter what type of card you use.

4. Overlooking rewards:
Small-business credit cards have long offered unparalleled rewards on business-related expenses, and now, credit-card companies also are offering enticing initial reward bonuses on both business and personal cards to people with excellent credit ratings. You can garner hundreds of dollars in free cash or points, which can be used to score a free flight to visit an important client or help pay for a marketing campaign.

5. Paying interest:
You can avoid credit-card interest payments by taking advantage of introductory zero-percent rates on both purchases and balance transfers. For example, the Citi Diamond Preferred Card offers zero percent on new purchases for 18 months, while the Slate Card from Chase offers zero percent on balance transfers for 15 months and doesn’t charge a balance transfer fee. If you currently have a $5,000 balance with a 15 percent interest rate and want to become debt free in 15 months, the Slate Card would save you $518 in interest fees and help you pay down the debt one month faster.

6. Not segmenting transactions:
The rewards and low interest rates available today obviously provide value, but you won’t be able to take advantage of both using a single credit card. That’s why you should follow the "island approach" and segment your transaction types on different credit cards. For example, you can use a business-rewards credit card for everyday expenses and a zero-interest personal card for funding. This will enable you to reap the benefits of a business card but enjoy the debt stability of a personal card.

7. Failing to safeguard against fraud:
The best way to ward off fraud is to exercise common sense. Avoid leaving important financial documents where employees can see them; it’s possible they could apply for financial accounts under your name or your company’s name. If you regularly deal with clients or vendors over the phone or online, always be careful when exchanging financial information. And keep an eye out for credit-card transactions for unusual amounts, which could be a sign of unauthorized account access.

Ref : http://www.entrepreneur.com/article/224518#ixzz2g3hNEJrU

What it is: Credit cards can provide easy money for young, growing companies. But they also come with serious dangers.

How it works: There are personal credit cards, and there are cards tailored toward small businesses. Each come with benefits and rewards. There are more government protections for personal credit card holders, while business cards can have higher limits and rewards such as discounted office supplies that are tailored toward business owners.
No matter what, you will wreck your personal finances if the bills aren't paid, so don't be tricked into thinking you need to use a business card with the business.

Upside: Besides providing needed cash flow to young businesses, credit cards can also improve credit scores for owners and businesses alike -- as long as payments are made on time. There are also special rewards and perks such as airline miles, discounted gas or even cash.
The funds are also easier to come by, which can help in a pinch.
Embracing business credit cards for daily expenses inside the business can also aid in record keeping by helping business owners to separate personal and business finances, track employee spending, reduce time balancing checkbooks, and produce business financial reports.

Downside: Credit card interest rates are much higher than traditional loans, which can make them a pricey form of debt that will drag the business down during tough times.
It is little wonder that the Ewing Marion Kauffman Foundation has found that for every $1,000 in credit-card debt that a small business takes on, its chances of long-term survival fall by more than 2 percent.

For a young company, it is crucial to tap personal funds, family, friends and other investors in order to avoid racking up too much credit card debt. Such high-interest debt will swallow up a young company's revenues.

Getting late on a payments and you can damage your credit score, hurting your ability to take out loans as the business grows. A late payment on a small business credit card also gets you reported to a business credit bureau.

Extra tips:

• Review sites such as CreditCards.com,CardRatings.com and Bankrate.com provide online tools to compare interest rates, rewards programs and annual fees.
  
• You could get burned on a small business credit card if you don't scrutinize the fine print and ask a lot of questions. Such cards are not covered by the 2009 Credit Card Accountability, Responsibility and Disclosure Act. The law protects consumers from such practices as arbitrary interest-rate increases.
  
• If you think you won't be able to pay off purchases in a single billing period, it might be better to charge them on the personal plastic, rather than a business card.
  
• Don't just hone in on annual fees. Check out baggage insurance, concierge service, employee-expense tracking, and even access to airline clubs.
  
• Search out the business cards with the best rewards in order to make something back on the business' purchases.
  
• Take advantage of introductory zero-percent rates on both purchases and balance transfers.
  
• Use different types of cards for different types of transactions. For example, a business-rewards credit card might be best for everyday expenses, while a zero-interest personal card might be the best for funding.


Ref: http://www.entrepreneur.com/article/228193#ixzz2g3XUAbfq

According to the Federal Reserve's most recent survey of consumer finances, roughly 46 percent of American families carry a credit card balance, and nearly one in four owe more than $3,000 on their plastic.

Because of this, some folks believe credit cards are evil. But credit cards are no more evil than a chain saw. Sure, my chain saw can be dangerous, but only if I use it like an idiot. Used wisely, credit cards can be valuable tools, especially for small-business owners who can earn reward points and manage their cash flow while paying the monthly bills.
Jim Wang, for instance, loves his credit cards. The entrepreneur from Columbia, Md., writes about personal finance at Bargaineering.com. He controls his credit cards instead of letting them control him.
"I carry three cards," he says. "They're all cash-back or rewards cards. One card's for business; one offers rewards at restaurants, movie theaters and bookstores; and one offers cash back on everything else."

• Read the fine print. You should read every contract you agree to, and a credit card is no different. Reading the paperwork alerts you to the card's hidden benefits--and its hidden pitfalls.

• Review your statement every month. Watch for fraudulent transactions, but also keep an eye out for changing due dates, fees and interest rates. And don't be afraid to speak up. If something seems strange (or you want a rate reduction), call customer service.

• Don't buy anything with your credit card unless you already have cash in the bank to pay for it. Don't let your having a credit card influence your shopping decisions. A credit card isn't a license to spend--it's just a different way to pay. 

Another bonus? Credit cards make money management easier. "I like that all my spending records are in one place," Wang says.
If you choose to use credit, be smart. This isn't free money. Live by three basic rules, and you can safely use credit without getting burned.
"The idea is to spend within your means," Wang says. "Don't charge more than you're able to pay back in a month. If you carry a balance, you negate most of the benefits."
Not all credit cards are created equally, of course. Some carry high fees and onerous interest rates. In 2009, Congress passed the Credit Card Act, designed to protect consumers from some of the worst credit-card company tricks, but it can still be tough to sort the wheat from the chaff. To find a credit card that best suits your needs, consult Consumer Reports or visit card comparison websites such as IndexCreditCards.com or CardRatings.com.
Small-business owners should be careful, though.
"Business credit cards aren't regulated by the Credit Card Act," notes Curtis Arnold, founder of CardRatings.com. "In fact, some companies are issuing ‘professional' cards to get around consumer regulations."
Arnold, author of How You Can Profit from Credit Cards, says that banks are targeting entrepreneurs aggressively with these cards.
"Some small-business owners have switched from business cards to consumer cards to get protection," he says. "To get the same protection, consider applying for a personal card in your business's name. As long as you're not actually mixing your business and personal accounts, you're fine."
Credit cards aren't evil, but they can be dangerous. Just as you handle a chain saw with care, you need to be equally cautious with credit to avoid hurting yourself (and your business). Used wisely, credit cards can actually give you a financial edge.

Ref: http://www.entrepreneur.com/article/218128#ixzz2fXd0Srmj

If you have to accumulate charges on plastic to launch or build your business, you ought to be using one of the best credit cards out there so that you get money back and earn rewards.
The credit-card comparison website CardHub.com today is releasing its analysis of more than 1,000 business and personal credit cards for small-business owners. The analysis ranks them by four categories:

• Earning rewards
• Longer-term funding
• Decreasing the cost of existing debt
• Building a credit history

Surprisingly, in this analysis consumer credit cards are sometimes the best option for small-business owners, CardHub.com says. The Credit Card Accountability Responsibility and Disclosure Act, known as the CARD Act, which was passed in 2009 and went into effect in 2010, instituted measures of transparency and accountability in the credit-card industry. However, the protections were not extended to business credit cards.

Here is a look at the recommended credit-card options from Washington, D.C.-based CardHub.com, by personal finance priority.

REWARDS CREDIT CARDS

1. Ink Plus Business Card from Chase:
If you spend $5,000 in the first three months of signing up for the Ink Plus Business Card, you will receive 50,000 bonus points. Also, for every dollar you spend on office supplies and telecommunications services, you can earn another five points, up to $50,000 per year. For every dollar you spend on gas and hotel accommodations, you can earn two points, up to $50,000 per year. The annual fee on this card is $95 after the first year. Of course, as with all credit cards, it's a good idea to pay off the balance on a monthly basis to avoid being charged interest. Because the CARD Act protections do not extend to business credit-cards, your interest rates can be changed at any time on credit cards specifically designated for businesses. 

2. Club Carlson Business Rewards Credit Card from Visa:
This card is especially good for entrepreneurs who spend a lot of time living out of a suitcase and like Radisson hotels. The card offers 50,000 bonus points after your first purchase and 35,000 additional points if you spend more than $2,500 in the first three months of signing up. Those 85,000 points can be exchanged for as many as 18 free nights in Club Carlson hotels. If you book more than two consecutive nights at a hotel with the Club Carlson, the last night is free. While Club Carlson may not be a familiar brand for you, it is the parent company of chains including the Radisson, Park Plaza and Country Inn. There is a $75 annual fee.

3. Capital One Spark Cash for Businesses:
This credit-card gives you two percent cash back on any purchase, and while that is slightly less than you can get back for specific categories of purchases on other cards, that this card offers some cash back on all purchases makes it especially convenient, the report says. Also, if you spend $1000 in the first three months, you will get $100 as a bonus. If you authorize an employee to use your card, you get another $50 bonus. The annual fee is $59 after the first year.

BUSINESS FUNDING :

1. Citi Diamond Preferred:
Approximately one-third of small-business owners use credit-cards for financing, according to the most recent National Small Business Association access to capital report. If you are looking to finance a larger purchase on a credit card, having an extended period of time where you don’t accrue interest is key. This credit card from Citi offers zero percent interest rate for 18 months, the longest in the industry, according to CardHub.com. The Citi Diamond is a consumer credit-card. Not only are consumer-credit cards protected under the CARD Act, but also they tend to have longer periods with zero interest, says CardHub CEO Odysseas Papadimitriou.

2. Bank of America Cash Rewards for Business MasterCard:
Bank of America is the only large, primary card issuer to have voluntarily applied the CARD Act protections to its small-business offerings. This credit-card offers no interest payments on new purchases for nine months. Also, you can get three percent cash back at gas stations and office supply stores, two percent at restaurants and one percent for all other purchases.

LOWER THE COST OF DEBT:

1. No Balance Transfer Fee Slate Card from Chase:
 About half of small-business owners carry credit-card debt from month to month, CardHub.com says. If you are one of them, the Slate Card from Chase is your best option because there are no fees for transferring your balance, says Papadimitriou, who is “amazed” this option is available anywhere because it is not a profitable offering for card issuers. Also, once you transfer your debt to the Slate Card, there are no finance charges for 15 months. There is no annual fee.

BUILD CREDIT :

1. Capital One Spark Classic for Business:
Building a good credit history takes time. The only way a specific credit card will help is by having no annual fee, says Papadimitriou, allowing you to use all your cash to pay off debt. Also, the Capital One Spark credit-card gives one percent cash back.

2. Harley-Davidson Secured Credit Card:
If you don’t have credit, or have bad credit, the Harley-Davidson Secured Card is a way to build credit. You have to make a security deposit to open the credit card and you can spend only as much as you have deposited. You can add more cash to your deposit to increase your credit limit. A bonus to this card is that it waives the annual fee for the first year.

Corrections & Amplifications: An earlier version of this article incorrectly referred to Ink Plus Card as charge card. It is a credit card.

Ref: http://www.entrepreneur.com/article/226941#ixzz2fVdYtboh

A personal finance expert will always advise against running up a credit-card balance. But as a small-business owner trying to launch or grow your company, that may not always be a reality.
If you do have to turn to plastic, be reminded that some cards are better than others.

Credit-card comparison site CardRatings.com today released its list of the 10 best credit cards for 2013 thus far. The cards were chosen based on the quality of their customer service and their value for people with good to excellent credit.

Credit-card issuers are having to work extra hard these days to win over consumers, many of whom are working to pay down debt, says CardRatings.com Editor-in-Chief Curtis Arnold. "This puts consumers in the driver's seat and I would encourage folks, particularly those with good credit, to be very discriminating when shopping for a new card," he says in a statement.
Here are 10 best credit cards of 2013:

1. Discover It
2. Barclaycard Ring
3. Capital One Venture Rewards Credit Card
4. PenFed Platinum Rewards Visa Signature Card
5. Southwest Airlines Rapid Rewards Premier Credit Card
6. Citi Simplicity MasterCard
7. Chase Sapphire Preferred
8. American Express Blue Cash Preferred 
9. American Express Platinum Card
10. Citi Forward Card for College Students

Ref : http://www.entrepreneur.com/article/227893#ixzz2fRViwysh

The following are top 6 best credit card offers designed for students. Compare offers and apply online with a student credit card application.
New Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account.

Discover it® for Students

• Pack a Discover it® card when you go back to school.
• Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying
• Generous...5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible...Choose your own due date and pay up to midnight ET online or by phone.
• Human...talk to a real person any time with 100% U.S.-based service.
• Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% intro APR* on purchases for 6 months, then the variable standard purchase APR of 12.99% - 21.99%. *Click apply for Terms & Conditions.

Discover it® for Students with $20 Cashback Bonus

• Get back-to-you cash on back-to-school expenses with Discover it®.
• Generous...5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
• Flexible...Choose your own due date and pay up to midnight ET online or by phone.
• Human...talk to a real person any time with 100% U.S.-based service.
• Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 21.99%.
• *Click apply for Terms & Conditions.

Citi Forward® Card for College Students

• 5 ThankYou® Points for every $1 you spend at restaurants and on books, movies and music. 1 point per $1 on all other purchases.
• Up to 2% APR reduction when using credit wisely
• 100 ThankYou Points each billing period that you pay on time and stay under your credit line.
• 1000 bonus ThankYou Points when you sign-up for paperless statements.

JourneySM Student Rewards from Capital One®

• Designed to help students build good credit with responsible use
• Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
• Customizable text and e-mail alerts to help keep you on track
• Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
• No annual fee
• $0 Fraud Liability if your card is lost or stolen

American Express Serve®

• Get American Express Serve and you could get $50 when you use Direct Deposit. Must enroll in Direct Deposit by 9/30/13.*
• No credit check. No minimum balance. No activation fee.
• Manage your money with the prepaid card, online account, and mobile app.
• Shop online or off and get access to membership benefits like Purchase Protection.*
• Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
• No need to use a check. Email money to anyone no matter where they have a bank account.
• The safety and security of American Express.
• The 24/7 customer service you expect from American Express.
• *Terms, conditions and exclusions apply.

Citi® Dividend® Card for College Students

• Earn 5% cash back on eligible purchases within the Hilton Worldwide portfolio of brands, car rental agencies, movie theaters and theme parks from 7/1/13 to 9/30/13, upon enrollment
• Earn a full 1% cash back on all other purchases
• Earn bonus cash back each quarter for new must-have categories - like department stores, travel and more, upon enrollment.
• Manage your account online, on your tablet or on your Smartphone
• No Annual Fee

Ref : http://www.creditcards.com/college-students.php#ixzz2fJYlKOcJ

The following are top 7 best business credit cards offers, a small business credit card or corporate credit card can help you keep your company's expenses on track and obtain the buying power you need to operate your business. Some business credit cards also reward you for all your business purchases in the form of cash back or airline miles.
Compare the business credit card offers below and apply for the card that's right for you.

Capital One® SparkSM Cash Select for Business

• Get a 50% bonus on the cash back you earn every year
• Earn 1% cash back on every purchase, every day
• Save with 0% intro APR on all purchases until March 2014
• Enjoy no annual fee
• Get online Quarterly and Year-End Summaries
• Redeem cash rewards anytime, for any amount, even set up automatic redemption
• Earn unlimited cash rewards that don’t expire

Capital One® SparkSM Classic for Business

• Enjoy no annual fee
• Build business credit with responsible use with eligibility for an automatic credit line increase
• Earn 1% cash back on every purchase, every day
• Separate business expenses from personal expenses
• $0 Fraud Liability if your card is ever lost or stolen
• Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service

The Business Gold Rewards Card® from American Express OPEN

• Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†.
• Earn points even faster to get more rewards for your business.
• 3X points on airfare purchased from airlines. 2X points at US gas stations.
• Up to $100,000 in each category per year, then 1 point.
• Terms and limitations apply.
• Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
• $0 introductory annual fee for the first year, then $175.
• †Apply online to qualify for this offer. See offer terms for details.

SimplyCash® Business Card from American Express

• With no annual membership fee, it's a smart choice for your business
• Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
• 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
• 3% at U.S. gas stations
• 1% on other purchases
• Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%.
• Terms and limitations apply

Capital One® SparkSM Miles for Business

• Earn 2 miles per dollar on every purchase, every day
• Get 10,000 bonus miles - just spend $1,000 on purchases within the first 3 months
• Receive 5,000 bonus miles by signing up for one or more employee cards
• Enjoy exclusive, award-winning customer service
• $0 intro annual fee for the first year; $59 after that
• There's no limit to the amount of miles you can earn and miles don't expire
• Redeem miles for travel, cash back, gift cards, merchandise, and more
• Fly on any airline, anytime, with no blackout dates or seat restrictions

Capital One® SparkSM Cash for Business

• Earn 2% cash back on every purchase, every day
• Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
• Receive a $50 cash bonus by signing up for one or more employee cards
• Enjoy award-winning small business customer service
• $0 intro annual fee for the first year; $59 after that
• Redeem cash rewards anytime, for any amount, even set up automatic redemption
• Earn unlimited cash rewards that don't expire

Capital One® SparkSM Miles Select for Business

• Get a 50% bonus on the miles you earn every year
• Earn 1 mile per dollar on every purchase, every day
• Save with 0% intro APR on all purchases until March 2014
• Enjoy no annual fee
• Get online Quarterly and Year-End Summaries
• There’s no limit to the amount of miles you can earn and miles don’t expire
• Fly on any airline, anytime, with no blackout dates or seat restrictions

That's all Top 7 Best Business Credit Cards

Ref: http://www.creditcards.com/top-credit-cards.php

Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Simply getting a credit card will not help you build, re-build or re-establish your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to rebuilding your credit history.
Choose from secured and unsecured credit cards, and prepaid card offers below - some of them are fee-based.

Capital One® Secured MasterCard

• Build credit with responsible use with no processing or application fees
• Regular reporting to the 3 major credit bureaus
• Monitor credit with access to a credit score and other tools
• Your security deposit can get you a line up to $3,000
• You may qualify for a credit line increase based on your payment history and creditworthiness
• Use it like any MasterCard credit card, accepted at millions of locations worldwide

Call Capital One at : 888-825-2191

Pink ACE Elite™ Visa® Prepaid Card

• Official Sponsor of the National Breast Cancer Foundation (NBCF).
• Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
• Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
• Free Anytime Alerts™ - Get your balance and transactions via text or email*
• Secure: Card funds are backed by Visa® Zero Liability*

First PREMIER® Bank MasterCard® Credit Card

• Checking Account Required
• Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
• Reports to the major Consumer Reporting Agencies.
• Easy Application process!
• Pay no interest on purchases by paying your balance in full each month
• If approved, once your account is opened you will have access to millions of merchants worldwide (subject to available credit)
• Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.

Prepaid Visa® Classic RushCard

• Enroll in Direct Deposit and get your pay up to two days early. *Certain restrictions apply. See card site for details.
• Choose from multiple fee plan options, and switch for free.
• Transfer money to another RushCard member for just $0.99.
• No overdraft fees.
• Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
• Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.

First PREMIER® Bank Edith Sanford Breast Cancer Foundation Card

• Have a checking account? Apply today!
• If approved, pay a Processing Fee, and make your first two minimum payments on time, and $25 will be donated to the Edith Sanford Breast Cancer Foundation.
• The donation is made at no additional expense to you.
• Monthly reporting to the major Consumer Reporting Agencies.
• Access your credit account by phone 24/7 all year round.
• Issued by FDIC-insured First PREMIER® Bank.

Prepaid Visa® Baby Phat RushCard

• Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from your wireless provider apply.
• Easy Online Bill Pay - pay bills, rent, or write personal checks.
• Free 24/7 customer service.
• Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
• Access to over 23,000 fee-free MoneyPass ATMs from coast-to-coast. Get cash or check your balance—free of charge.

First PREMIER® Bank Credit Card

• Checking account required.
• If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit).
• Monthly reporting to the major Consumer Reporting Agencies.
• Issued by FDIC-insured First PREMIER® Bank.
• Trying to rebuild your credit history? You may if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.

First PREMIER® Bank Classic Credit Card

• Checking Account Required
• Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
• Optional Payment Protection Available
• A credit card offer for those lacking perfect credit.
• Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.

Credit One Bank® Gas Rewards Credit Card

• 1% back on all gas purchases
• No limit to the gas rewards you can earn
• Rewards post to your account automatically each month
• Get pre-qualified without affecting your credit score
• Make your first six payments on time and get a credit line increase
• Keep an eye on your credit information with free online monthly credit score tracking
• Choose your card design from our premium gallery
• Email or text alerts to remind you when your payment is due

First Progress Platinum Prestige MasterCard® Secured Credit Card

• First Progress Secured Card—The smart alternative to prepaid cards and expensive high fee/APR credit cards.
• Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
• We can approve you at any credit score, no minimum required.
• No processing or application fees required.
• Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
• Refundable security deposit required at time of application, only apply when you have a min of $300 to deposit immediately from a checking account or debit card.
• Program not available in NY, WI, and IA.

Ref :  http://www.creditcards.com/bad-credit.php#ixzz2egXQVq9I

The following Top 10 Best Credit Cards and Prepaid Debit Cards are for People with Fair Credit. Compare offers side by side and apply online for the card that is right for you. Apply for the Fair Credit credit card or prepaid debit card of your choice by completing a secure online application.

Capital One® Platinum Credit Card

• $0 intro annual fee for the first year; $19 after that
• Image Card - personalize your card with an image of your choice
• $0 Fraud Liability if your card is lost or stolen
• Monitor your spending with text message alerts

Call Capital One at : 888-820-6029

Capital One® Classic Platinum Credit Card

• 0% intro APR on purchases until June 2014
• $0 Fraud Liability if your card is lost or stolen
• Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
• Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

Call Capital One at : 888-822-4203

Capital One® QuicksilverOneSM Cash Rewards Credit Card

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories and no sign ups needed to earn cash rewards
• Redeem the cash back you earn for any amount, any time
• No limit to the cash back you can earn
• Your cash back doesn't expire
• 0% intro APR on purchases until June 2014

Barclaycard® Rewards MasterCard® - Average Credit

• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• No balance transfer fee
• No annual fee
• Use the points you earn like cash to pay for almost any purchases you've made.
• No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
• Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

Barclaycard® Rewards MasterCard® - Good Credit

• Earn 2,500 bonus points after your first purchase, which is enough for a $25 statement credit.
• 0% Introductory APR for 6 months on purchases and balance transfers
• No annual fee
• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• Use the points you earn like cash to pay for almost any purchases you've made.
• No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
• This offer is for customers with Good Credit

Capital One® Card Finder Tool

• Find card offers you may be eligible for without affecting your credit score
• Get matched to features you want like low intro rates, cash back or miles, and more
• See your card matches in less than 60 seconds
• All Capital One cards come with fraud coverage if your card is lost or stolen
• Online Banking including mobile app for fast and easy account management–right from your smartphone
• Pick the monthly payment due date that works best for you
• Pay the way you want–by check, online, or at a local branch
• Get 24/7 access

NFL Extra Points Credit Card

• All 32 teams or the NFL Shield card plastic are available
• No annual fee
• Earn 10,000 bonus points after $500 in purchases, redeemable for $100 cash back statement credit
• Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
• No limit to the points you can earn
• Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
• 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

VISA® Platinum from Credit One Bank®

• Get pre-qualified for a Visa Platinum card
• Free online monthly credit score tracking included
• Automatic reviews for credit line increase opportunities
• Choose your card design from our premium gallery

Pre-Qualified Credit Card by First PREMIER® Bank

• Easy 3-Step Pre-Qualification offer.
• First PREMIER Bank's credit card selector may be able to find the offer that best suits your needs.
• Enjoy online bill pay, unlimited online account access and paperless statements for a small, one-time fee
• Monthly reporting to the major Consumer Reporting Agencies
• You may rebuild your credit history by making on time payments to all your creditors and keeping your balances low relative to the credit limit.
• Chance for credit limit increases after your account has been opened for 13 months and kept in good standing.

First PREMIER® Bank Credit Cards

• Easy 3-Step Pre-Qualification offer.
• First PREMIER Bank's credit card selector may be able to find the offer that best suits your needs.
• Enjoy online bill pay, unlimited online account access and paperless statements for a small, one-time fee
• Monthly reporting to the major Consumer Reporting Agencies
• You may rebuild your credit history by making on time payments to all your creditors and keeping your balances low relative to the credit limit.
• Chance for credit limit increases after your account has been opened for 13 months and kept in good standing.

The following are Top 10 Best Points Reward credit cards feature the ability to earn reward points for card purchases.
Reward points can then be redeemed for a variety of items, including merchandise, gift cards or cash back. Apply today for the Points Reward credit card of your choice by completing a secure online application.

Citi ThankYou® Preferred Rewards Card

• Earn up to 30,000 bonus ThankYou Points after qualifying purchases - redeem for $300 in gift cards or other great rewards
• Earn 20,000 bonus points after $1500 in purchases within the first 3 months of account opening, plus another 10,000 points after $1500 in purchases within the next 3 months
• 0% intro APR on Balance Transfers and Purchases for 7 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
• New: 2x Points on purchases for dining and entertainment
• 1 ThankYou Point on other purchases
• Points do not expire and earn unlimited Thank You Points
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• Travel with ease and enjoy global acceptance with Chip Technology
• No annual fee*

Call Citi at : 877-266-0895

Barclaycard Arrival World MasterCard — $89 Annual Fee Card

• Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
• 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
• Earn 2X miles on all purchases
• No mileage caps and no foreign transaction fees
• Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
• Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
• Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
• Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Citi ThankYou® Card

• Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
• New: 2x Points on purchases for dining and entertainment
• 1 ThankYou Point on other purchases.
• Points do not expire and earn unlimited Thank You Points
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• Travel with ease and enjoy global acceptance with Chip Technology
• No annual fee*

Capital One® Quicksilver® Cash Rewards Credit Card

• One-time $100 bonus after you spend $500 on purchases within the first 3 months
• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories and no sign ups needed to earn cash rewards
• Redeem the cash back you earn for any amount, any time
• Your cash back doesn't expire
• 0% intro APR on purchases and balance transfers until September 2014
• No annual fee

BankAmericard Travel Rewards® Credit Card

• Earn 1.5 points per $1 on every purchase, every time with no annual fee
• Earn 10,000 bonus points after qualifying transactions, that can be $100 towards travel purchases
• Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
• No limit to the total number of points you can earn and points don't expire
• 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
• No foreign transaction fee

Call Bank of America at : 877-915-7732

Chase Freedom® Visa

• This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
• Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent between July 1 and September 30, 2013 at gas stations, theme parks, and Kohl's®
• You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• No annual fee and rewards never expire

Chase Sapphire Preferred® Card

• 40,000 bonus points after you spend $3,000 in the first 3 months from account opening – that's $500 in travel rewards!
• 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
• Receive a 7% Annual Points Dividend on all new points earned on purchases – even on points already redeemed
• No foreign transaction fees
• 1:1 point transfer to leading frequent travel programs with no transfer fees – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points
• Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards^SM
• 24/7 direct access to dedicated advisors
• Introductory Annual Fee of $0 the first year, then $95

Call Chase at : 877-311-3308

Barclaycard® Rewards MasterCard® - Good Credit

• Earn 2,500 bonus points after your first purchase, which is enough for a $25 statement credit.
• 0% Introductory APR for 6 months on purchases and balance transfers
• No annual fee
• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• Use the points you earn like cash to pay for almost any purchases you've made.
• No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
• This offer is for customers with Good Credit

Citi® Platinum Select® / AAdvantage® World MasterCard®

• Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
• Your first eligible checked bag is free*
• Group 1 boarding and 25% savings on eligible in-flight purchases*
• Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
• Double AAdvantage® miles on eligible American Airlines purchases*
• Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*

Chase Sapphire® Card

• 10,000 bonus points after you spend $500 in the first 3 months from account opening – that's $100 in travel rewards!
• 2X points on dining at restaurants & 1 point per dollar spent on all other purchases
• Points never expire and there are no limits on how many points you can earn
• Redeem points for travel, gift cards, merchandise, cash back and more
• 24/7 direct access to dedicated advisors
• No Annual Fee!

Call Chase at : 877-311-4969