Balance Transfer Promotions

Which Business Credit Cards Do Small Business Owners Prefer for the Cash Back Benefits

Small businesses can apply for business credit cards to allow them to conveniently pay for their business expenses. When using the card to pay for your business expenses, you can also earn rewards points that transform into cash back savings. The following are the top 3 business credit cards that you can offer the best cash back benefits.

1. Ink Business Cash Credit Card

Ink Business Cash Credit Card will give you a cash back of $300 when you charge at least $3,000 of purchases for your small business. It offers a 5% cash back for the first $25,000 when you pay for business related expenses such as office equipment, internet fee, landline and mobile telephone fee. It offers 2% cash back for non business related expenses like gas stations and dining. The 2% cash back also applies to the first $25,000 that is spent on the card.

If you spend $25,000 in both the 5% and 2% categories, you would be earning a cash back of $1,750. the rewards points that you earn can be combined with the rewards points that you earn on other chase credit cards. Ink business cash credit card does not have annual fee. The spending limit of the card can be adjusted if you want to let your employee use it

2. Capital One Spark Cash for Business

Capital One Spark Cash For Business offers $500 cash back when you spend at least $4,500 in 3 months. It offers 2% cash back no matter what type of purchases you make. There is no minimum amount of points that you must accumulate in order to redeem the rewards. In order for the card to be profitable, your small business should have an expenditure of at least $11,800 per year. It is ideal for small businesses that are not spending enough in the bonus categories or travel. There is a $59 annual fee but the fee is waived in the first year.

Capital One Spark Cash for Business does not have foreign transaction fee. It offers free employee cards that your employees can use to make purchases on behalf of your business and also earn rewards at the same that. It offers fraud coverage in case someone misuse your card to make purchases. If someone attempts to use your card, you will receive an alert through SMS, email and telephone. The purchase APR rate for Capital One Spark Cash for Business is 17.49%.

3. Bank of America Cash Rewards for Business

Bank of America Cash Rewards for Business is offering up to $200 of statement credits if you spend $500 in 60 days after your account is opened. The cash back rewards program allows you to earn 3% cash back on gas and office supplies. You can earn up to 2% cash back when you use the card to pay for your dining expenses. The 3% and 2% cash back rewards is subjected to the maximum cap limit of $250,000 per year. The rest of your purchases will be rewarded with 1% cash back.

What is the Average Credit Score to Qualify for Zero Percent Credit Cards


Credit scores are used as a score used to measure your ability to repay your bills and qualify for almost every type of loan or financial obligation.
. A poor credit score means that there are a lot of time when you did not submit your payment for the bill you are supposed to pay promptly. On the other hand, good credit score means you have good financial management habit and always punctually make repayment for your credit card.

You need to have at least an average credit score which is in the range of 600 – 679 to qualify for one of the balance transfer card offers in the market. Having an average credit score can’t get you the best balance transfer card offers but there are still plenty of other offers that will easily approve your application. If your credit score is 750+, many credit card companies will gladly approve your application for their best balance transfer card offers.

If you have a poor credit score, there is a high chance that your application will get rejected no matter which credit card you apply. So, you should be building your credit score to acceptable level first if you have bad credit score and want to qualify for a zero percent balance transfer credit card. There are lots of balance transfer card offers with each having a different credit score requirement.

The easiest way to find out the credit score requirement for each balance transfer card is to do research on the web for keywords like the top balance transfer cards. You will find that a lot of top reviews at the finance blogs will state the minimum credit score requirement that you need to have in order to get approved. If you are curious to know the minimum credit score for a certain balance transfer card, you can search Google with keyword like “credit card name”+”credit score”. When you hit enter, you will see the minimum credit score for that particular card on several websites.

You should definitely apply for a balance transfer credit card If you hold multiple credit cards in your card and are looking for a way to clear up your debt. It will help in simplify the process of repaying for the credit card debt. Balance transfer card is ideal for people who are able to come up with the funds to make the monthly repayment promptly. You should do some calculation and see how much you are able to set aside each month to repay the balance transfer card.

You must have confident that you will finish repaying the entire pile of credit card debt within the introductory period that entitle you to enjoy zero percent APR. Before you fill in the application form, make sure you check how long the zero percent APR introductory period last and if there is any balance transfer fee.

How Many Credit Cards Should College Students Have

Many college students want to have credit cards for paying college expenses such as food, and textbooks. Getting a credit card is helpful for college students because it gives them the opportunity to build up a responsibility in keeping their finance in good state and also to develop a good credit score. Since this is the first time you get a credit card, you should only apply for one credit card. You should first learn to manage one card first.

If you can manage one credit card well, you can apply for multiple cards when you graduate. While you are in college, you have a limited income with a lot of college expenses to cope. You are probably taking a part time job to cope with your college expenses. Applying for multiple cards can put a burden in you and make it hard for you to cope with your college expenses.

Many students can’t control themselves in spending money when they have multiple credit cards. They simply take any of their card out to swipe and charge without thinking whether they are going to be able to pay it. This will bring burden to your parents because they are your cosigner and they will have to pay for all the balances you charge to the cards when you can’t pay.

Lots of students have left college with a huge burden of debt to pay when they start working. Survey shows that young U.S. households are the group that have the second highest bankruptcy rate in the USA. To prevent yourself from getting trapped in debt, it is wise to just apply for a single credit card.

It is hard to track your spending when you have multiple cards. Besides, there are many due dates that you have to keep track when making repayment. The credit utilization ratio determines your credit score. The more available credit you have, the higher the credit utilization ratio will be so having just one credit card is the best.

One card is sufficient for you to build your credit by paying all your balances promptly on the due date. Credit cards for college students will offer protection against fraud loss for up to $50. You should never charge the card more than 30% of the available credit. When you have one credit card, it can be easy to exceed this limit when you are charging your card for purchases.

It is recommended that you pay cash whenever possible and avoid charging it for all your daily expenses. You can use the free online credit score monitoring tool to monitor your credit score. Building up your credit score is important because it will serve as an important credit reference when you apply for a new personal or car loan upon graduating. It is also necessary to show your credit report when you are applying for a new phone.

What Bank is Offering Barclay Credit Cards


Barclay credit cards are issued by Barclays bank which is a banking firm headquartered in Canary Wharf, London.
The bank has already exist for several hundreds years and was founded on the 17th November 1690. Barclays is the first bank to offer credit card for consumers in the UK. The Barclays Connect card was launched on the June 1987. Barclays has also acquired a number of credit card companies including US based Juniper Bank, and Spanish based Banco Zaragozania to get more customers. Barclays credit cards are offered to consumers in over 200,000 countries. It has branches worldwide and operate more than 600,000 ATMs. All the cards that Barclays offer provide good rewards programs.

Barclaycard CashForward offers a $100 cash back signup bonus when customers spent $500. Using the Barclaycard CashForward to buy things can earn you 1.5% of cashback rewards and you also get a 5% cash rewards bonus everytime you redeem the cashback rewards. Barclaycard Rewards is a point rewards card that you can use to earn 2 points when pumping gas at the local petrol station, and paying for utility bills. You also earn 2x points when you swipe your card for your purchases at the supermarkets including Target and Walmart. The points you have accumulated on your Barclaycard Rewards MasterCard can be redeemed as a deposit into your bank account. It can also be redeemed as a statement credit and gift cards. Every 1,000 points you have collected is equivalent to $10.

If you enjoy traveling, you can apply for the Barclays Carnival card which allows you to earn discounts for Carnival as well as other popular cruise lines. Cardholder also stands a chance to earn a free cruise when they use their Carnival card to buy everyday items. Barclays Choice Privileges card allows you to earn points that can be redeemed for free hotel stays at selected locations.

Diamond Resorts allows you to earn double points when you swipe your card for purchases at the Diamond Resorts. The points you earn via the Diamond Resorts can be redeemed for statement credits. Holland America Line gives you the opportunity to earn double points when you purchase the cruise packages from Holland America Line. Priceline Rewards helps you to save money when you make reservation on hotel, flights and car rental through the Priceline.

Barclays also offer retail credit cards like Barnes and Noble and L. L. Bean
. The Barnes and Nobles card allows you to earn points that can be redeemed gift cards applicable for purchases at the Barnes and Noble store. You enjoy discounts on selected items and you get to earn a gift card worth $25 after the first purchase. The L.L. Bean card allows you to enjoy benefits like free return shipping, buy discounted items at the exclusive sales for members and earn coupons.

Cash rebate credit cards with best sign up bonus offers 2016

Sign up for a cash rebate credit card and save money on items that you normally buy every day. Earning back money that you have spent is a smart way to reduce your expenses. With a cash back card, you can earn back a certain percentage of the money you spend on all your purchases if you use your credit card to pay for them. Here are some of the top cash rebate credit cards that will give you the best sign up bonus offers in 2016.

Chase Freedom Credit Card

The Chase Freedom card offers a $ 150 sign up bonus after you spend your first $ 500 within the first 3 months of acquiring the card. You also get 5% cash back on up to $ 1, 500 that you spend on a quarterly rotating basis. The good thing about items that you can buy with this card is that they are everyday items that you will probably spend money on anyway, like gas, grocery bills, restaurants and wholesale clubs. You then get 1% cash back on all other purchases. You pay $ 0 in annual fees and you get a 0% APR for the first 15 months on all purchases and balance transfers. Your reward points never expire.

BankAmericard Cash Rewards Credit Card

This card offers a $ 100 sign up bonus, if you spend up to $ 500 on your card within the first 3 months of signing up for the card. You get 3% cash back on gas and 2% cash back on grocery up to $ 1, 500 per quarter. You get 1% cash back on every other purchase. If you choose to redeem your rewards into a Bank of America checking or savings account or investment account, you can get a 10% to 75% reward bonus. The minimum redemption is $ 25. You pay $ 0 in annual fees.

Blue Cash Preferred Card

You get a $ 100 sign up bonus if you spend at least $ 1, 000 within the first 90 days of signing up for this card from American Express. If you sign up for the card before 16th June 2016, you get a 10% cash back on all US wireless service providers for up to the first $ 2, 000 spent on purchases. This is for services provided until the end of 2016. You get 3% cash back on supermarket purchases, for up to $ 6,000 in yearly spending. After the annual limit has been exceeded, you get 1% cash back, this is a great offer from AMEX as their other top offer, for the Starwood travel rewards card is scheduled to end in March of 2016.

Barclaycard CashForward World MasterCard
You get a $ 100 sign up bonus when you spend at least $ 500 within the first 3 month of registering for the card. You also earn 1.5% cash back on all purchases that you make. There are no spending limits or rotating categories with this card. For any redemption that you carry out, you get a 5% redemption bonus. You can redeem money earned into your bank account, statement credit or use it to buy a gift card.

Stay tuned to balance transfer promotions as we bring you the best balance transfer credit cards, 0% deals and unique zero percent card offers for 2016 to help you save money on all of your credit card needs!

Budgeting 101 Key Towards Achieving Financial Goals In 2016

Budgeting 101

When I was in high school, we learned the proper way to write checks. They don’t teach that anymore. They also don’t teach how to budget, and it is something everyone should know how to do. When we properly budget our money, it allows us to save, plan for retirement, our children’s college education, really anything you want to spend money on it is just a matter of proper budgeting.

So what is the proper way to create a budget? If you have something like MS Money or Quicken on your computer, they have built in programs to help you do that. In this age of technology and the internet, you could use your internet search engine and probably get thousands of hits on programs that will automatically create a budget for you, all you have to do is answer the questions and at the end, the program generates a budget based on your answers. Depending on the program, you can make manual adjustments to what was generated.

However, just like we still need to learn basic math and English skills because we can’t rely on modern technology to do everything for us, it is a good idea to have an idea of how to create a budget on your own, even you do use your computer and a program like Microsoft Excel to help make it.

Needless to say, the first thing you need to create a budget is your income and expenses. If your income fluctuates, base your income on the minimum base you will get over the course of a month. Doing it that way, you may end up with extra money, but it is always better to have more money than you budgeted for than not enough. If you have a regular income each pay period, but sometimes get overtime, don’t include the overtime in your income just yet.

Ok, so now you know the minimum amount of money you can expect to have each month, so it’s time to look at your expenses. First, list all of your fixed expenses, things like rent, car payments, insurance, anything that remains the same each month. Hopefully, when you have added these things up, it is still less than your total monthly income.

Next, you will want to list necessities; things that you must have, but how much you spend can fluctuate or you have some control over. This would be things like utilities and groceries. A note on your utility costs: many utility companies offer budget payments. They calculate how much you spent on the particular utility (think electric, gas, heating oil), and then they figure out a monthly payment that doesn’t fluctuate. One very important thing to be careful with this is that if you use more than the budgeted amount, at one point during the year, the utility company is going to want you to pay the outstanding balance, so your goal is to stay under budget. Then they give you a credit when that point comes, and credits are always a good thing.

Remember, you can to some extent control your electric, gas and heating oil use. Lower wattage bulbs when you don’t need quite so much light, turning lights out, adjusting your electric hot water heater can all be big money savers on your electric. As far as gas and heating oil, with heating oil, you can always turn the thermostat down, wear a sweater and use less oil. In regards to gas, a lot depends on how much you use gas for. It could be just for cooking, or just for heat, and you might have a washer and dryer that operate on gas, or it could be all of them. Ways to save a little on those costs include again, turning the thermostat down and wearing a sweater, but also with the washer and dryer, you can save a lot by only doing full loads of laundry as opposed to just a couple of items. Many utility companies also have programs where they will come to your home (free of charge) and inspect your home and give you some ideas of how you can reduce the costs of that particular utility.

When it comes to groceries, many of us overspend and end up throwing things out, which is a waste of food and money. But as humans, we are also creatures of habit, meaning that we might be so used to buying a particular brand, it never really occurs to us to try one that is less expensive or even the store brand. Most store brands are made by the major companies and relabeled for the store. So it is the same product at a much lower price. I will be the first to admit that there are some things that I want a particular brand, and it is worth the cost to me. I also admit to trying a store brand, and finding it so repulsive, I had to throw it out. But that store brand cost me a couple of dollars, and had I liked it, would have regularly saved me twice that. Sometimes, we just need to take the chance.

Finally, the experts you recommend you “pay yourself first,” meaning that you put something into your savings before anything else. I’m in no position to argue with the experts, but only you can decided which is best for you based on your income and lifestyle. Regardless, even if it seems like such a small amount, it couldn’t make a difference, it adds up. Think about it, if you can only afford to put ten dollars in savings a week, at the end of the year, that’s still $520. That might mean nothing if you’re a millionaire, but for most of us, that’s a nice little chunk of money.

For additional tips for reducing your interest and saving money in 2016, stay tuned to balance transfer promotions for offers, deals and advice on locking in savings with credit cards!

Tips For Making The Best Out Of Your 2015 Vacation Plans

With summer just around the corner, many people are dreaming of their summer time dream vacation. Yet many of these same people are stressed out over how to save up for their trips. Our friends from the Top Credit Cards for 2015 provided us with some great tips for saving money and getting the best credit card offers this summer. Saving money for your dream vacation should not be stressful. Everyone deserves a vacation, and even though they can be expensive, it doesn’t mean it is out of reach for you. You can fund a vacation without resorting to credit cards or expensive loans. If you take the time to plan a budget and plan out your trip well in advance you will be on your way to your dream vacation in no time, provided that you make a reasonable vacation budget and stick to it.

The first step towards budgeting for your vacation is to understand how much you will be spending. Where you will be staying and what time of year you plan to go is therefore vital to know. Every vacation spot on the planet has peak vacation season and off season times. Peak vacation time you can expect to pay more, while off season will be markedly cheaper. You can then research hotel accommodation costs for the time frame you plan to travel.

You next need to take into account your travel costs. regardless if you are driving or flying, each will have a ballpark figure, depending on what time of the year you plan to travel. Other travel costs to factor in will be rental cars or any public transportation at your final destination.

Lastly you need to take into account meals or dining expenses, and other costs. Entertainment, drinks, money for site seeing, excursions, and area attractions should be taken into account. Many people set up a daily budget for when they arrive at their final destination. You should do all your research to figure out approximate costs here. You will never arrive at an exact figure so assume you need as much as $500 to $1000 additional dollars above and beyond what you expect.

If you really want a stress free vacation that is very easy to budget for, you should look into an all inclusive resort. These resort packages include airfare and transportation, as well as lodging, meals, beverages and entertainment, as long as you stay on the resort. Under these vacation plans the only money you need is if you decide to go exploring off of the resort.


Some tips for reducing the cost of your vacation:

Limit your luggage if flying

If you are taking an airplane to your travel destination, consider only allowing what your airline allows for free to cut down on expenses. You could also apply ahead of time for an airline rewards credit card which offers 1 or 2 checked bags for free. Many of these cards also have a sign up bonus worth several hundred dollars, provided that you spend a certain amount within 3 to 4 months of opening the account.


Deals and bundles

When planing your trip always be on the look out for bundles or deals. Triple A or the AAA often has bundle deals for its members. Some hotels offer deals on local car rentals and shuttle rides. You can at times get a pass to multiple area attractions as well.

Ranking The Best Credit Cards For Cash Back Bonuses In 2014

Save while Spending

Our friends from Best2014CreditCards.com helped us pull together a list of the best cash back promotion cars on the market this September. Americans love to buy now and pay later. Billions of dollars are charged to credit cards annually for small, routine purchases as well as large, unexpected expenses including appliances and emergency repairs. Fortunately, consumers can regain a small portion of their expenditures through cash back bonuses and point systems offered by many major credit card issuers. Most cardholders enjoy monthly rewards amounting to 1% of all purchases, plus 5% for specific types of charges.

One of the first credit card companies to afford its customers a rewards program was Discover Card. Current members can sign up quarterly to receive 5% cash back for charges from select industry types such as hotels or department stores while enjoying 1% on all other purchases. The rewards can be direct deposited into the consumer’s bank account, credited to the following month’s statement, used as payment on preferred websites, donated to a charity, or received in the form of a gift card. The recipient can increase the reward amount by requesting cash back through a gift card for one of Discover’s many partners. The associates range from online florists to popular movie theaters. The bonus can actually be doubled with some partners.

Perhaps the best rewards program is offered by Citibank, who advertises a credit card with double cash back on every purchase. The cardholder receives 1% at the time of purchase, then an additional 1% when payment is made, regardless of the remittance method. No limit is placed on the earnings, and the program applies to all categories of purchase. Another popular choice, the Chase Freedom card, allows the consumer to earn $100 within the first three months after activation if purchases add up to $500. This reward is a big boost toward a significant savings account, particularly if the customer takes advantage of the special quarterly rewards that offer 5% on specific purchase types. Many cardholders choose to accumulate their rewards all year, then cash them to pay for holiday shopping or small vacation getaways. Others choose a credit card that offers points rather than cash back. For example, some Bank of America customers collect credit card points that can be traded for cruise line discounts.

A large cash back reward usually requires extensive spending, but consumers often build their accounts by charging regular daily expenses like groceries, gas, coffee, fast food, and postage, in addition to more costly purchases. Many cardholders pay their debt in full each month to avoid interest charges while enjoying the benefits of the credit card company’s rewards program.

Reviewing The Best Options For Zero Percent Cards In 2014

Searching for the top zero percent credit card offers going into 2014?

According to the list posted at bestcreditcards2014.co there are numerous card offers available to consumers who are searching for a zerp percent credit cards. Some of the offers are geared towards consumers who want to use a zero percent credit card for purchases, while others are designed to target consumers who need to try and use the offer on a balance transfer. One thing remains pretty consistent heading into 2014, to qualify for the better zero percent card offers a borrower will need to have very good to excellent credit scores.

The editorial staff chose the Slate Chase as the top offer for January of 2014. Key reasons behind this choice were the generous 15 months for both purchases and balance transfers. Borrowers who are searching for credit cards for a balance transfer specifically will love the fact that the fee on balance transfers is waived for the first 60 days, offering borrowers a great way to gain some financial momentum in 2014. The Slate by Chase also offers no annual fee and Chase’s award winning customer services.

Additional Top Zero Percent Cards To Consider in 2014

There are several other cards that are worth considering, including the DiscoverIT card which offers a zero percent interest rate for purchases and balance transfers, 1% cash back on all purchases and free enrollment into the MYFICO scoring program. The Citi Simplicity credit card is another great card to consider. This card offers an impressive 18 months of zero percent interest on balance transfer and purchases as well as free enrollment into the Citi Easy Deals program.

Chase Freedom, Bank of America Visa, Capital One Platinum Prestige all offer consumers great opportunities to save with zero percent offers. 2014 is shaping up to be a year filled with awesome offers and promotions for consumers.

Steven Moore has been covering consumer finance and the credit card markets since 2006. You can learn more about credit cards, zero percent promotions and ways to maximize your credit card savings as well as connect with Steven on Google+ or by visiting http://bestcreditcards2014.co/zero-percent where he is a regular contributor.

2013 Is Right Around The Corner Lock In Low Rates And Save Interest All Year

Get a Balance Transfer to Pay Zero Interest on your Debts in 2013

Zero interest credit card offers are becoming more popular again. For several years following the stock market crash of 2008-09, these offers were practically non existent.

In 2009, the Federal Reserve slashed interest rates to near zero. That same year Congress passed the Credit Card Accountability Responsibility and Disclosure Act. Unlike the Fed action, the Act had no price controls, or rate caps or fee setting. Credit card companies went bananas raising APRs to astronomical levels and adding all kinds of fees. Credit card companies can charge you a hefty late payment fee and raise your APR to above usury rates that normally are 25%. Credit lines were slashed and accounts closed, some for no reason.

Now that credit card companies are back on solid footing, they have begun to offer zero interest card offers again. The extent of their comeback can be seen in their stock prices. A purchase of 100 shares of Master Card in 2009 at $124 is now at $484, for a profit of $36,000. Visa rose from $45 in 2009 to a recent price of $145 for a profit of $10,200.

Now you are receiving these wonderful zero interest credit card offers again. What should you be looking for? Here are several key factors to consider:

Analyze your current credit card debt. Even though you have a high credit score above 700 you may be rejected. Card companies look at you debt to income ratio. If you already have high credit card balances outstanding, it may be the reason for not issuing you a card.

Take a zero interest offer only if you can pay off your balance in full or most of it. Otherwise at the end of the period you will be slapped an extremely high APR that can range from 17.99% to 24.99%. Keep in mind that your APR will vary depending on your credit balances at the end of your zero interest.

Look for the longest zero interest in months. Some now go as long as 22 months.

Check for balance transfer fees. Only take a card that has no fees, or fees that can be recouped with your interest savings. A 5% transfer fee on a $10,000 balance transfer amounts to $500.

Examine other perks. Some cards offer 5% cash back on new purchases. These are usually charged the higher APR. Some will give you a bonus of $100 if you buy $500 in the first three months. Be careful of these ticklers. Remember, card companies are masters at making you push the “buy” button. What you are trying to do is to pay off existing debt, not add new debt.

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·* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information · ·is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the issuers website. Balance Transfer Promotions