The Importance of Credit Cards to Entrepreneurs

Credit Card EntrepreneursIt was just a decade or so ago that the thought of starting your own business was a task too daunting for many people to take on. In recent years, opportunities to promote new products or ideas through the Internet have made the idea of starting a business less of a pipedream. But, as with most big plans, the financial aspect may still be troublesome for some would-be entrepreneurs. Not only do they need to find the capital to invest but also to choose which payment options to provide for their Continue

Six Mistakes That Can Decimate the Benefits
of a Reward Credit Card

Reward Credit Card MistakesWith so many different offers to choose from, consumers often look for credit cards with the lowest interest rates and the biggest reward perks. But choosing a great reward card is only the first step to benefiting from it. Clouded by the hope of accumulating enough reward points for a dream vacation or a big cash bonus, many people overlook the details found in the small print of every credit card agreement. Credit card companies gain enough of your hard earned money through interest rates and fees, so it seems unconscionable that they would penalize your benefits or deny Continue

Interest Rates Are Lower… Yet Credit Card APRs Remain Unchanged

Credit Card Interest Rates UnchangedSince the credit crisis of 2008, the federal funds rate has dropped and default rates are falling, yet credit card interest rates have remained steady at around 13 percent. So why aren’t people who carry a balance on their credit card getting a break? Banks are paying less for the money they borrow and less people are defaulting on their credit card accounts, shouldn’t they be passing along the savings to consumers? One expert blames this conundrum on “inertia”, a nice way of saying that consumers aren’t shopping around for better deals. Continue

Top Small Business Credit Cards for 2014

Top Business Credit Cards for 2014For most small businesses, the key to long-term success depends on good financial management. Whether it’s obtaining capital or accurately monitoring expenses, having the right tools in place can make or break a business. One of the most useful tools available to business owners is a small business credit card. An excellent source of short-term funding, small business credit cards provide a variety of benefits that you won’t find anywhere else. These are our choices for top business credit cards of 2014: Continue

Top Travel / Airline Credit Cards for 2014

Top Airline Credit Cards for 2014Travel and airline rewards are a popular option for credit card shoppers. With more than $560 billion spent on travel in 2012, it’s no surprise that people are on the lookout for ways to save on travel expenses. Who doesn’t appreciate free airfare, discount hotel stays and exclusive travel perks? If you’re a frequent traveler or would like to cut the cost of your next vacation, travel and airline credit cards provide a quick and easy way to earn flexible travel rewards. Here are our top airline / travel credit cards for 2014: Continue

Top Balance Transfer Credit Cards for 2014

Top Balance Transfer Cards for 2014Balance transfers are one of the best ways to tame credit card debt and save money on interest charges. Transferring a balance is always worth considering since the savings can be substantial – especially during the intro period. Even bigger savings come when you transfer large balances to a 0% APR credit card. Most companies provide zero APR balance transfers, but the best balance transfer credit cards will have the longest intro periods and lowest fees. Here are our top balance transfer credit cards for 2014: Continue

Top Cash Back Credit Cards for 2014

Top Cash Back Credit Cards for 2014Cash back is the most popular and widely chosen reward option available to consumers. Simple and easy to use, for every purchase you make with a cash back credit card you’ll earn a flat percentage of the total charges – anywhere from 1% to 5%. Almost every credit card issuer features a cash back program, but the best cash back credit cards will provide bigger incentives, have reduced restrictions and offer more ways to earn cash and bonus rewards. Here are our choices for top cash back credit cards of 2014: Continue

The Best Black Friday Payment Options

Black Friday Payment OptionsBlack Friday is known as the day when retailers try to thrust their sales into the black for the year, but the term was first used in Philadelphia for the hectic day following Thanksgiving when the Army vs. Navy game was played in the city. The mayhem was called ‘Black Friday’ and it’s been associated with holiday shopping ever since. This year many deals have been slowly leaked out early before the holiday rush even begins, but before you jump on the bandwagon, make sure that your method of payment won’t negate all the savings. Continue

Smart Businesses Use Mobile Card Technology

Mobile Card TechnologyThere’s a lot of talk about credit cards from the vantage point of borrowers. Financial experts discuss the pitfalls of taking on too much debt, atrocious fees and solutions put in place by the Fed – with little sympathy for the banks or institutions that provide the service. One aspect of the industry that doesn’t get much attention is the growing use of mobile technology and how it’s helping small businesses. Being able to accept all forms of payment is essential, and mobile card technology provides many benefits over traditional card processing. Continue

5 Tips to Offset Rising Interest Rates

Rising Interest RatesThere is generally one small bright spot in the midst of a stagnant economy – low interest rates. But historically low rates are slowly beginning to creep upward resulting in an increase in the cost of borrowing. If you’re already finding it difficult to make a dent in what you owe, rising interest rates will only make it more difficult to reduce your debt, resulting in more time and money to pay off your balance. The thought of more of your hard earned money going to the bank is hard to swallow, but there are some ways to offset the rising cost of interest rates. Continue

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