A Personal Finance Blog for Regular Folks
Are you looking for a travel rewards/airline miles card but hate the idea of all those blackout dates and weird restrictions?
The Blue Sky from American Express® credit card just may be the answer… and they’re currently offering a decent welcome bonus of 7,500 points (redeemable for up to a $100 statement credit). Charge $1,000 on the card in the first three months of card membership and the points are yours.
Would you like a credit card with no late fees, no annual fee, no penalty rates hikes, and more?
Take a look at the Citi Simplicity® Card!
In this review I’ll show you the basics of what this card is all about so you can see if it’s the right card for you.
Right off the bat you are getting a card with a very long 0% introductory and balance transfer APR rate (18 months).
If you have credit card debt on other cards, and the interest rate is weighing you down, transferring your debt to a card like this can really help you make a dent in your debt (assuming you will be paying off more than the minimum amount due, of course).
[Read more…] about Citi Simplicity® Card Review – No Late Fees or Penalty Rate Hikes
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.
[Read more…] about The Best 0% Purchase Credit Cards of 2014
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.
We’ve done a write-up about the closure and what your next steps should be if you have a PerkStreet account: PerkStreet Financial Online Checking is Shutting Down (What Happens to My Money?)
Are you looking for a free checking account that offers more than just basic checking services?
How about an alternative to using a credit card for your purchases (but don’t want to carry cash)?
PerkStreet(SM)’s online checking account is not only free, but offers up a generous cash back rewards when you use their debit card.
Read on for our PerkSreet review.
PerkStreet offers the debit card that helps you get debt free. By using a debit card for your purchases you can 
easily manage your money and budget for what you spend rather than risk the possibility of incurring credit card debt.
Their rewards checking helps further being debt free by giving you up to 25% cash back on purchases (depending on the purchase). They offer free online checking accounts and perks like bill pay, free ATM usage, excellent rewards, easy mailed-in deposits, and more.
The premise behind the bank is to offer superior service and you can talk to a live person 24 hours a day with any questions you might have. The company’s focus is to serve people who want to manage their money responsibly and not go into debt with offering generous rewards for debit card use.
[Read more…] about PerkStreet – Free Online Checking, Cash Back Rewards and More – Review
