New Business Credit Card

Chase Announces Two New Business Credit Cards: Should You Get One?

By: Ed Vegliante

Chase recently announced the release of two new credit cards for the business community. The Chase Platinum Business card and the Chase Business Rebate Card are now available, giving business people more options and a better deal than what they can get through ordinary business cards. Are these cards worth getting? More importantly, do they offer to your business a reason to switch? Let’s examine the new cards and what they have to offer to you, the business person.

There are business credit cards that adequately meet most business owners’ needs while there are other cards that really stand out. The two new credit card offerings from Chase are a pair of stand out performers.

Quarterly Management Reports

To help busy card holders, Chase’s two new cards share a common feature: they offer quarterly management reports for free. This is especially helpful when you consider that businesses must account for how their money is spent when it comes to tax time. By utilizing the management reporting feature, businesses can readily document important tax deductions. No worrying that something has been overlooked; the reports do the tracking for you. Less work for your busy accountants too!

0% Intro APR

Both the Chase Platinum Business Card and the Chase Business Rebate Card offer a fixed 0% APR for the first twelve billing cycles. This feature is especially helpful to the business needing the convenience of a credit card without worrying about paying off a large balance every month. New business owners are attracted to such a feature as the 0% introductory APR can relieve some of the pressure of financing a new entity.

Big Credit Lines

One of the toughest parts of starting a new business is securing an affordable line of credit. Your bank may offer terms, but those double digit rates can be a real turn off, especially if your cash flow is limited. The Chase Business Card and the Chase Platinum Business Card solve this problem by offering huge credit lines up to $35,000. You can save hundreds if not thousands of dollars in interest payments for the first year if you elect to go with a Chase card vs. the typical bank loan.

Important Ingredients

Both Chase cards offer no annual fee and have important balance transfer offers.

Distinguishing Features

As much as the two new cards have similarities to them, they each have a distinguishing feature. With the Chase Platinum Business Card you get additional benefits including $1 million dollar travel insurance, $3,000 lost luggage insurance, and more. With the Chase Business Rebate Card you can get as much as 3% cash back on select purchases. When you take a client out to eat, purchase supplies at the office or building supply stores, or fuel up your car, Chase rewards kick in when you use your card. For all other purchases the rewards rate is 1%.

Of course, the biggest decision for you is which card to select. Both cards come equipped with many useful features and are certain to attract customers who need a business card that works so well for them. Compare the offers and select the one that meets your needs and start benefiting from your new Chase business card today!

About: Click here to view Chase Business Credit Cards. Ed Vegliante runs http://www.credit-card-surplus.com, a directory of credit card offers. Source: Ezinearticles.com

Discover Something New Every Day With A Discover Credit Card Account

By: Ellene Bauer

Your credit rating is good. Your finances are in apple-pie order. You can pay off your debts on time. So, why not get a credit card that can give you more than the usual all-purchases at 1% only interest. A Discover credit card account lets you do more for less.

Must-have Benefits of a Discover Credit Card Account Besides the usual 1% interest that all the other plastics in the block have, your Discover credit card account gives you 5% cash back bonus on splurges on vacation trips, fuel, movies, food, and clothing. Even better, you have a wide choice of cash back bonus categories to look forward to. In fact, categories change by as many as four times a year!

Another cool advantage of a Discover credit card account is that it offers unlimited cash rewards. Moreover, these cash rewards never expire. So, you could redeem them anytime between this lifetime and the next. Additionally, your Discover credit card account qualifies you not only for cash back bonuses and cash rewards, it offers you discounts on products and services. Just go to your provider's website to look up participating establishments.

Choices, Choices Who doesn't want a credit card that does more with less? A Discover credit card account gives you more freedom to explore spending options.

1. Discover More card This comes with 0% introductory annual percentage rate and balance transfers the whole year round. It also comes with free fraud liability guarantee.

2. Discover Open Road card Avail of 0% introductory APR as well as balance transfers for a whole year. A Discover credit card account of this type gives you full 5% cash back on car maintenance products and fuel, and double the cash back bonus when you present gift cards or certificates from 70 participating brands.

3. Miles by Discover card Your dream of traveling with no restrictions can now come true! With this Discover credit card account, you can say goodbye to blackout and the need for advanced bookings. You can double your miles up to three thousand dollars on travel as well as restaurant patronage. Plus, you get a dollar back on all other purchased items.

Unlike any other cash reward promos, your Discover credit card account allows you to choose your means of reward redemption. You could opt for cash, a check, a deposit to your back account, or a credit to your Discover credit card account.

Sincere and Secure As added protection for clients, Discover credit cards come with free fraud liability guarantee. You are immediately alerted once fraudulent card use is detected. There are fraud specialists on duty, and they offer assistance 24 hours a day, seven days a week.

Discover credit cards also have a timely reminder system in place. Days before your payment is due, you will be sent a reminder of how much you need to pay and when. This helps you avoid late payment penalties.

Who knew a plastic so tiny could be so powerful?

About: Switch to a Discover credit card account. Visit our site now for information on balance transfer credit card application and instant approval online credit card application. Source: Www.isnare.com

Business Credit Card 0 Apr

It's Easy To Find A 0 Apr Credit Card

By: Christopher Luck

Millions of Americans have credit cards, using them almost every day for everything from mundane things like groceries to exciting purchases like vacations. But unless you already have a 0 APR Visa, Mastercard, or Discover credit card, chances are you’re still looking for one. Who wouldn’t want a credit card that offered 0 percent APR?

The APR is the annual percentage rate, and it determines how much interest you pay on your credit card. No-interest credit is the best, obviously; a credit card with no APR means you’re paying back only the amount you borrowed, with no additional charges. When the bank makes you a 0 apr credit card offer, you’re liable to jump at the chance! But you don’t need to wait for the bank or credit card company to come to you. You can get a 0% APR credit card yourself.

First you’ll need to check your credit score. The credit card companies are more likely to give you a low-repayment credit card as a “reward” for being a low-risk consumer. Get a copy of your credit report from one of the online sources available -- you’re entitled by law to one free credit report per year -- and see if there are any blemishes that might prevent you from getting a 0 APR credit card. You should check your report even if you’re sure you’ve never done anything to earn bad credit, because mistakes can creep into your report. The last thing you want is to be denied an interest-free credit card because of something you didn’t even do!

Once you’ve confirmed your credit report is solid, or done what’s necessary to clean it up, you can apply for a credit card with confidence. There are two ways you can go about getting no-interest credit. One is to approach your currentcredit card companies and request a lower interest rate. Tell them you’d like to do a balance transfer, point out your positive credit history, and ask for zero APR credit. Many times, they will give you 0 APR for a period of six months or a year, which is fine: Before the time is up, you can set up 0 percent APR on a different card and transfer the balance. If your credit stays good, you could move your balance from one card to another indefinitely, thus keeping 0 APR credit for the life of the loan.

Another option is to open new credit cards that have 0 APR offers. These are easily found online, and the 0 APR credit card is usually an “introductory” offer, which means it switches to a higher APR after six months or a year. The same procedure applies: Take advantage of the offer, and then transfer the balance to another 0 APR credit card before the time is up. Before you get any new credit cards, though, be sure to check into their policies on balance transfers. Some have different APRs for balance transfers as opposed to purchases.

With a little work and careful spending habits, it’s possible for anyone with good credit to get a 0 APR credit card. Why should the credit card company get all your hard-earned money with its fees and APRs? No-interest credit is the way to go. Good luck, and happy spending!

About: Christopher M. Luck has have many years experience with 0 apr credit cards and is now offering his priceless advice free to you. If you are at all interested in Christopher's top picks, you may find 0 apr credit cards here. You can also keep up to date with the latest news at Christopher M. Luck's Finance Blog. Source: Ezinearticles.com

The Truth About 0% APR Credit Cards

By: Morgan Hamilton

The competition between credit card companies is getting fierce. Many credit card companies are offering special incentives to get you to sign up for their card. 0% APR is one deal that many credit card companies are using. These 0% APR credit cards often spell trouble for the consumer, though. There are special rules and limitations that apply which are usually hidden among legal wording in the small print.

While it is illegal for a credit card company not to disclose all fees and charges for their credit card, it is not illegal for them to put it in small print. Credit card companies are aware that many consumers do not even bother reading these paragraphs so they stick the truth about 0% APR deals in there. They make sure they announce in large, bold print that the card has 0% APR. This is very appealing because it is the APR or interest rates that often cause consumers to have credit card problems, so no interest seems like a great deal. Hidden in that small print, though, you will often find out that this is for a limited time or only applies to new purchases, not balance transfers. Once the limited time is up the APR usually sky rockets to a huge rate. Even worse, some consumers transfer balances thinking they will get a nice break from interest and be able to pay the balance down quick, only to find out the offer does not apply to the amount they transfer. Reading all the information provided with an offer is extremely important to avoid such problems.

There are other tricks to the 0% APR offer, too. Some cards offer 0% APR on balance transfers, but once that is paid off the APR goes up. The trick here is that any money you pay is applied to the transfer first so it is paid down quicker. Any other purchases you make are charged a high APR. Some credit card companies make up for the 0% APR by charging high annual fees or other high rate charges or they add a transfer fee charge. Many 0% APR deals are voided if you are late on a payment. Some companies have lowered the grace period which makes it easier to be late on a payment. Another quick trick is sending you a different card then the one you applied for and not offering the 0% APR on that card at all. Often in the small print on your application it will state the company can do this if you do not qualify for the card being offered. These are some ways the credit card companies can get out of the 0% APR offer.

The truth about 0% APR credit card offer is not as great as it may seem. Avoiding this trap is easy if you know where to look for the catches and exceptions. It is all up to you to weed out the good offers from the bad ones. Read everything before signing up for a credit card and should be able to avoid any problems.

About: Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting 0% APR Credit Cards. Source: Ezinearticles.com