Credit Cards

The Best 0% Balance Transfer Credit Cards 2013

For a while, 0% balance transfer credit cards disappeared from mailboxes.

Now, though, they are starting to make a comeback as the economy improves, and as credit scores start to rise.

If you are looking to transfer some of your higher-interest credit card balances, you can use one of these offers — you usually receive 0% on purchases for the introductory period as well.

Saving Money with 0% Balance Transfer Credit Cards

One of the great things about the best 0% balance transfer cards is that you can save money in interest, and pay down your debt faster.

These credit cards don’t charge you interest on the balance transfer for the introductory period, so whatever you pay goes right to your balance. This can help you get out of debt faster. Of course, make sure you pay more than the minimum to really take advantage.

Additionally, if you plan to make a large purchase and have a card that offers a 0% introductory APR on purchases, these kinds of credit cards can help you get what you want and then pay it off quickly — without paying interest at all. It’s a great way to save money instead of putting the item on a high interest credit card, or getting a loan. Continue Reading

The Discover it® Card Review – An All-Around Card That’s Fair to the Consumer

Written by Glen Craig 2 Comments

Would you like a credit card that didn’t hit you with a ton of fees? Maybe even a card that was fair to its users? How about a card with generous cash back? Let’s add in customer service from a company known for its customer loyalty?

Mix that all together and you get the Discover it® card.

Discover set out to make an all-in-one card made up of the best qualities that consumers are looking for. They created an all new line of cards: the Discover it card.

Let’s take a look at some quick basics of the Discover it card before we get to our review:

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The Best 0% Purchase Credit Cards 2013

Written by Glen Craig 3 Comments

A great way to save money and earn reward points is to use a 0% purchase credit card (note that these 0% rates are introductory).

These cards can be a great way to avoid paying interest while gaining credit card benefits, rewards, miles, or cash back. Additionally, 0% purchase credit cards offer an opportunity for you to make a slightly larger purchase, and pay it off over time.

Another bonus is the fact that many of these credit cards also come with 0% balance transfer offers.

It’s important to understand, though, that 0% Introductory rate purchase credit cards should be used carefully, and with planning.

When used as part of a plan, o% Introductory rate purchase cards can give you the advantage of a great introductory rate, and the ability to rack up the points or miles. And, because you have an introductory period, you can take two, three months, or longer to pay off a larger purchase.

Don’t Use the 0% Introductory Rate, or the Rewards, to Justify a Purchase

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Chase Ink Cash® Business Card – Review

Written by Glen Craig Leave a Comment

Small business owner? Looking for a line of credit as well as helpful tools to manage your business?

Take a serious look at the Ink Cash® Business Card.

Here’s a card for your small business offering a nice introductory bonus right now. This one’s a credit card (as opposed to the Ink Bold® Business card which is a charge card and you must pay in full every month) and it has the added benefit of no annual fee.

Reward Yourself With Cash

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When are Credit Card Annual Fees Worth Paying?

Written by Kevin Mulligan 2 Comments

Paying a fee to a credit company for the privilege of using their credit card seems ludicrous, right?

Why would anyone intentionally pay an annual fee?

With so many free credit card options it just seems insane to pick one with an annual fee.

On the other hand, if you actually take some time to take a closer look at some of the perks you get by paying an annual fee for a specific credit card you might find the perks outweigh the costs.

For the longest time I personally thought this was crazy, but I’m starting to come around. Let’s dig a little deeper.

Paying an Annual Fee for a Credit Card

You have two big steps to take before you jump onboard with an annual fee.

Identify Your Credit Card Usage

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British Airways Visa Signature® Card | Review

Written by Glen Craig 6 Comments

Do you fly British Airways? (They have over 300 destinations BTW.)

If you do then you should take a look at the British Airways Visa Signature® Card.

The British Airways Visa Signature® Card is what many consider an airline miles credit card. It’s a card that is issued on behalf of the airline where you can typically earn that airline’s miles faster when you buy flights with the card and you can earn additional miles on general purchases. These miles can then be redeemed for free flights with the airline.

You can also see lots of other great perks in an airline miles card that help make owning the airline’s credit card well worth it.Continue Reading

Chase Ink Bold® Business Card Review

Written by Glen Craig 2 Comments

Are you a small business owner? Interested in a small business card that can help you manage your business AND earn you rewards on expenses? Looking for a great travel rewards card to maximize your business travel?

How about one that is offering a great bonus right now?

The Chase Ink Bold® Business Card is offering 50,000 bonus points when you open an account and spend $5,000 in the first 3 months.

50,000 points will get you $500 cash back or $625 towards travel rewards.

Chase Ink Bold® Business Card Review – The Nitty Gritty

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United MileagePlus® Explorer Card Review

Written by Glen Craig 3 Comments

Do you fly United Airlines with any frequency?

Would you like special flying privileges on your United flights? Would you like to earn free flights and more?

If you answered yes to any of the above then you need to look at the United MileagePlus® Explorer Card from Chase.

The United MileagePlus Explorer Card is considered an airline miles credit card. What that means is the purchases you make earn you airline miles which can be redeemed for flights and more. Airline miles cards are a great way to use your purchases to earn you free flights.