American Express Gold Small Business Credit Card ReviewAmerican Express Gold Small Business Credit Card Review
American Express credit card is one of the best business credit cards in the small business credit card category. If you have been watching TV lately, you have probably seen the funny commercial about the individual who uses a card with a funny card face to pay for a business lunch. The American Express Gold cards is prestigious and impressive in almost any cases and can give your small business a certain level of credibility in business situations.
So let's talk about the cons first. The card does come with a $125 fee, which you will have to pay on your second year. In addition, you will be charged $45 for an extra card, which is waived in many competing offers. In addition, this card is a charge card, which means you will have to pay the full amount at the end of each month (your due time).
But there are so many benefits to American Gold Credit Card as well. As mentioned before, the Gold card is a prestigious card that gives your small business more credibility. In addition, you can take advantage of AMEX's rewards program, which is the best one that is out there. You also save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®. Your first purchase entitles you to 5000 points, which should be a good incentive for you to start using this card. When you have spent $20,000 on your card, you'll be rewarded with another bonus of 5,000 membership points. Reach $50,000 in spending and get a bonus of 20,000 points. Renew your card after the first year, and receive a bonus of 10,000 points. Spend an average of $5,000 each month and receive 60,000 points. And let's not forget that every dollar you spend gets you a rewards point.
There are no limits for the number of points you can earn and your points do not expire. You also have the most flexibility with your points as you can choose to spend them whenever you want. You can use them for travel or entertainment activities. The choice is yours.
The American Express Gold card is for serious businesses only. The fee of $125 is not substantial but it will be an extra cost if you don't plan on using all the rewards offered with your American Express card. Overall, the card is worth it if you have substantial small business credit cards spending each month. In that case, it can save you a lot on your future small business needs, making this card great for small businesses that are past the early stages.
So let's talk about the cons first. The card does come with a $125 fee, which you will have to pay on your second year. In addition, you will be charged $45 for an extra card, which is waived in many competing offers. In addition, this card is a charge card, which means you will have to pay the full amount at the end of each month (your due time).
But there are so many benefits to American Gold Credit Card as well. As mentioned before, the Gold card is a prestigious card that gives your small business more credibility. In addition, you can take advantage of AMEX's rewards program, which is the best one that is out there. You also save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®. Your first purchase entitles you to 5000 points, which should be a good incentive for you to start using this card. When you have spent $20,000 on your card, you'll be rewarded with another bonus of 5,000 membership points. Reach $50,000 in spending and get a bonus of 20,000 points. Renew your card after the first year, and receive a bonus of 10,000 points. Spend an average of $5,000 each month and receive 60,000 points. And let's not forget that every dollar you spend gets you a rewards point.
There are no limits for the number of points you can earn and your points do not expire. You also have the most flexibility with your points as you can choose to spend them whenever you want. You can use them for travel or entertainment activities. The choice is yours.
The American Express Gold card is for serious businesses only. The fee of $125 is not substantial but it will be an extra cost if you don't plan on using all the rewards offered with your American Express card. Overall, the card is worth it if you have substantial small business credit cards spending each month. In that case, it can save you a lot on your future small business needs, making this card great for small businesses that are past the early stages.
Getting a High Limit Credit Card
Getting a credit card with a high credit limit is not a very straightforward process. When you apply for a credit card, whether online, by phone or through the mail, the credit card company first determines if you are approved and then determines your credit limit. Unfortunately, no credit card company can provide information on what your limit will be until your application has been processed. However, there are a few steps you can take to increase your odds of getting the amount of credit your desire.
First, apply for a credit card that advertises high lines of credit. Some credit card companies only offer lines of credit up to $10,000. Others offer limits of $25,000 or more. If the credit limit you are given is a major factor in your decision, your chances of getting the credit line you desire will be increased if you apply for cards that advertise higher limits.
Once you submit your credit card application, it can take anywhere from a few business days to a few business weeks to receive your credit card and learn of your credit limit. Because of this, there are a few steps you can take to make sure you get the credit you desire in a timely fashion.
If simply getting credit is your main concern, applying for multiple credit cards may be the best option. You may not get the credit limit you want on a single credit card, but your combined limit may meet your needs. Additionally, apply for credit cards expedite the process of getting your credit card in hand.
Another benefit of applying for multiple credit cards is the option of choice. You may receive drastically different credit limits, interest rates, and 0% introductory offers from different issuers. If you apply for multiple credit cards, you can pick the card or card you want to use armed with the specific information you need to save you the most money on interest while providing you with the credit limit you desire.
To compare high limit credit cards as well as leading no interest credit cards, visit the author's website, Smart Credit Choices.
About the author: The author has been writing extensively on the subject of credit cards for nearly four years. Among other accomplishments, the author has been cited by MSN money writers, most notably as a source in an advisory article entitled, "Credit Card Companies' Evil Tricks."
First, apply for a credit card that advertises high lines of credit. Some credit card companies only offer lines of credit up to $10,000. Others offer limits of $25,000 or more. If the credit limit you are given is a major factor in your decision, your chances of getting the credit line you desire will be increased if you apply for cards that advertise higher limits.
Once you submit your credit card application, it can take anywhere from a few business days to a few business weeks to receive your credit card and learn of your credit limit. Because of this, there are a few steps you can take to make sure you get the credit you desire in a timely fashion.
If simply getting credit is your main concern, applying for multiple credit cards may be the best option. You may not get the credit limit you want on a single credit card, but your combined limit may meet your needs. Additionally, apply for credit cards expedite the process of getting your credit card in hand.
Another benefit of applying for multiple credit cards is the option of choice. You may receive drastically different credit limits, interest rates, and 0% introductory offers from different issuers. If you apply for multiple credit cards, you can pick the card or card you want to use armed with the specific information you need to save you the most money on interest while providing you with the credit limit you desire.
To compare high limit credit cards as well as leading no interest credit cards, visit the author's website, Smart Credit Choices.
About the author: The author has been writing extensively on the subject of credit cards for nearly four years. Among other accomplishments, the author has been cited by MSN money writers, most notably as a source in an advisory article entitled, "Credit Card Companies' Evil Tricks."
New Guestbook
Like this lens? Want to share your feedback, or just give a thumbs up? Be the first to submit a blurb!
Washington Mutual Credit Card Review
Washington Mutual is one of the largest banks of America and it offers an amazing variety of cards. The first and the foremost is the Washington Mutual Platinum Credit Card which comes with instant approval so now you don't have to wait for days to know the status of your application, you get to know instantly whether your application for a Washington Mutual Platinum Card is approved or not. As a measure of protection against the unauthorized services which are on a rise, the Washington Mutual Platinum Card comes with $0 fraud liability on unauthorized purchases so you don't have to spend sleepless nights in case that happens.
Without any annual fee and discounts from popular retailers available online this card is hard to resist. The promotional balance transfer APR is as low as 0% for the first 12 billing cycles as it is the introductory period and after that the APR for purchases varies from 9.99% to 19.99%. The Washington Mutual Platinum Card also gives you a grace period of 25 days if the new balance is paid fully by the due date of the payment and the balance is calculated according to the method of the two-cycle average daily balance which includes new purchases too. With the Washington Mutual Platinum Card you are charged a minimum of $1 as a finance charge and 1% of each purchase as the transaction fee for the purchases that you make outside the U.S. and its territories. The Washington Mutual Platinum Card charges 3% for each balance transfer ranging from a minimum of $5 to a maximum of $75 and 3% of the advance i.e. a minimum of $10 is charged from you as your cash advance fee. If you are late in paying the bill, a late fee varying from $19 to $39 is charged depending on your balance and if you exceed your set credit line during any billing cycle an overlimit fee of $35 is charged from you.
The Washington Mutual Platinum Card also provides you with the unique and interactive Washington Mutual Credit online account management providing you an offer card whenever you visit the visit the site thereby increasing customer base and saving you from the trouble of searching and applying for a credit card.
Not very long ago the Washington Mutual took over the Provident Credit Card review which was the erstwhile credit card giant and has grabbed up the ninth position in the credit card ranking in America since then and now it offers you three more cards to choose from one of them being the Providian Real Rewards Card. The Providian Real Rewards Card is different from others because it rewards you with points every time you use it and the rewards come in different forms thereby giving you freedom of choice. So with Providian Real Rewards Card you can use your rewards for purchasing flight tickets or as restaurant coupons.
Another card offered by the Washington Mutual is the Providian Cash Back Card which gives you cash back on any purchase you make thereby giving you ample opportunity to get your money back with each purchase made by you.
The third card offered under this head is the Providian Rewards Card enabling you to earn a point for every dollar you spend through it and that too in different forms ranging from merchandise and gift cards to travel benefits.
In spite of seemingly great offers Providian is constantly in the midst of lawsuits with customers constantly accusing Providian of charging them more than their due payment. To add insult to injury, customer service is poor and lacking in quality.
With the Business Card offered by the Washington Mutual Credit Card you can keep the expenses your business separate and it also gives you employee cards whose spending limits are set by them. What's more, you can also track down the individual expenditure of the employees from the itemized statements which are provided along with other benefits including the online service which is available 24/7.
Without any annual fee and discounts from popular retailers available online this card is hard to resist. The promotional balance transfer APR is as low as 0% for the first 12 billing cycles as it is the introductory period and after that the APR for purchases varies from 9.99% to 19.99%. The Washington Mutual Platinum Card also gives you a grace period of 25 days if the new balance is paid fully by the due date of the payment and the balance is calculated according to the method of the two-cycle average daily balance which includes new purchases too. With the Washington Mutual Platinum Card you are charged a minimum of $1 as a finance charge and 1% of each purchase as the transaction fee for the purchases that you make outside the U.S. and its territories. The Washington Mutual Platinum Card charges 3% for each balance transfer ranging from a minimum of $5 to a maximum of $75 and 3% of the advance i.e. a minimum of $10 is charged from you as your cash advance fee. If you are late in paying the bill, a late fee varying from $19 to $39 is charged depending on your balance and if you exceed your set credit line during any billing cycle an overlimit fee of $35 is charged from you.
The Washington Mutual Platinum Card also provides you with the unique and interactive Washington Mutual Credit online account management providing you an offer card whenever you visit the visit the site thereby increasing customer base and saving you from the trouble of searching and applying for a credit card.
Not very long ago the Washington Mutual took over the Provident Credit Card review which was the erstwhile credit card giant and has grabbed up the ninth position in the credit card ranking in America since then and now it offers you three more cards to choose from one of them being the Providian Real Rewards Card. The Providian Real Rewards Card is different from others because it rewards you with points every time you use it and the rewards come in different forms thereby giving you freedom of choice. So with Providian Real Rewards Card you can use your rewards for purchasing flight tickets or as restaurant coupons.
Another card offered by the Washington Mutual is the Providian Cash Back Card which gives you cash back on any purchase you make thereby giving you ample opportunity to get your money back with each purchase made by you.
The third card offered under this head is the Providian Rewards Card enabling you to earn a point for every dollar you spend through it and that too in different forms ranging from merchandise and gift cards to travel benefits.
In spite of seemingly great offers Providian is constantly in the midst of lawsuits with customers constantly accusing Providian of charging them more than their due payment. To add insult to injury, customer service is poor and lacking in quality.
With the Business Card offered by the Washington Mutual Credit Card you can keep the expenses your business separate and it also gives you employee cards whose spending limits are set by them. What's more, you can also track down the individual expenditure of the employees from the itemized statements which are provided along with other benefits including the online service which is available 24/7.
The Benefits of Browsing Credit Card Reviews
There are just so many credit card offers nowadays that choosing amongst them can be quite daunting. Agents of these companies would give you the perks of the credit cards they are vouching for. What they would not tell you, however, are the certain things that would make you reconsider getting their credit cards. Thus, to make the right choice, it is important to browse through as many reviews as possible.
One very important reason behind is the sad fact that credit card debt is a very huge problem that is common all over America. But with the help of reviews, you can actually avoid having to deal with this problem.
So, how do you go about finding credible credit card reviews? There are actually a lot of methods you can use here. One effective way is going online and do a search on reviews. For sure, you will come up with hundreds upon hundreds of websites that feature credit card reviews. Just browse through them and get to know the features and services offered by various companies.
Another thing to look out for when browsing through reviews would be the terms of service. It is in this part where the hidden fees would be included. Watch out for high penalties and charges that the companies might employ. This is indeed something you would want to avoid. There are also many companies that do not require one to pay annual fees. So, why would you want to pick a card that charges annual fees? For sure, you would prefer the one without annual fee charges, right? But if you do not go through reviews, you just might make the wrong choice here.
Credit card reviews really provide you a better avenue for making more educated decisions. Imagine yourself getting a credit card in a hurry, only to learn that there is a better card just waiting for you around the corner! Low interest rates, no annual fee charges, the works! Wouldn't you be regretting your hasty decision then? But with these reviews, you would be armed with more information, which you can use in coming up with a better decision. Exhaust all your options before you do make that decision of getting a particular credit card. Of course, you can get more than one credit card, especially if you find great deals. All the same, it would be better to go through reviews first.
One very important reason behind is the sad fact that credit card debt is a very huge problem that is common all over America. But with the help of reviews, you can actually avoid having to deal with this problem.
So, how do you go about finding credible credit card reviews? There are actually a lot of methods you can use here. One effective way is going online and do a search on reviews. For sure, you will come up with hundreds upon hundreds of websites that feature credit card reviews. Just browse through them and get to know the features and services offered by various companies.
Another thing to look out for when browsing through reviews would be the terms of service. It is in this part where the hidden fees would be included. Watch out for high penalties and charges that the companies might employ. This is indeed something you would want to avoid. There are also many companies that do not require one to pay annual fees. So, why would you want to pick a card that charges annual fees? For sure, you would prefer the one without annual fee charges, right? But if you do not go through reviews, you just might make the wrong choice here.
Credit card reviews really provide you a better avenue for making more educated decisions. Imagine yourself getting a credit card in a hurry, only to learn that there is a better card just waiting for you around the corner! Low interest rates, no annual fee charges, the works! Wouldn't you be regretting your hasty decision then? But with these reviews, you would be armed with more information, which you can use in coming up with a better decision. Exhaust all your options before you do make that decision of getting a particular credit card. Of course, you can get more than one credit card, especially if you find great deals. All the same, it would be better to go through reviews first.
