by PointsGuru | Jan 20, 2015
American travelers have the benefit of getting credit cards that are affiliated with some of their favorite travel partners. Just about every airline has a credit card that can provide some serious benefits for cardholders. American Airlines and AAdvantage are no different, and those who get the CitiBusiness AAdvantage World MasterCard can get many great perks.
The first big benefit to getting a CitiBusiness AAdvantage World MasterCard and using it as a business card is the signup bonus that a new cardholder can realize. Many potential cardholders no doubt already have the personal version of this card. Those who have any business at all, including selling items online on a part-time basis, can possibly qualify for the business version and double up on the number of bonus miles that are available.
The CitiBusiness AAdvantage World MasterCard starts out users with a nice 30,000 cache of bonus AAdvnatage miles after making just $1,000 in purchases over the first three months that the card is active. While 30,000 frequent flyer miles might not qualify for an around-the-world trip, it is more than enough to qualify for a low-level economy seat on a domestic flight. With the annual fee waived during the first year, this signup bonus amounts to what is basically a free flight, and who could not use a free flight with airfare costs today?
The benefits of the CitiBusiness AAdvantage World MasterCard do not stop with the initial signup bonus. Cardholders can also top off their American frequent flyer account with everyday purchases. Most purchases will earn one AAdvantage mile per dollar spent, but purchases from American Airlines will earn two miles per dollar spent. Additionally, certain business expenses like office supplies, telecommunications and car rentals will also earn the higher rate of two miles per dollar. Businesses with many expensive purchases will be able to rack up the miles quite quickly.
Those small businesses that have additional employees can also choose to supply these workers with their own card. This is a great way to keep employees from using their own money up front to travel for the business. Additionally, the purchases made by approved employees will earn AAdvantage miles. These miles will then go into the parent account.
One final mileage-related benefit to getting the CitiBusiness AAdvantage World MasterCard is an annual bonus. Those cardholders who choose to renew their card membership will earn a 5 percent bonus on the miles earned through purchases over the previous year. For example, a small business owner who charged $100,000 on the card would get a 5,000-mile bonus. Those who have sizable business expenses and also allow for additional employee cards could stand to gain a very nice additional cache of miles that can go toward free flights or other benefits. What at first seemed like only a single free domestic flight could indeed meet the mileage level necessary for an around-the-world ticket within a very short period of time.
Many small business owners with the personal version of the Citi AAdvantage Mastercard might think that they need no business card. With all of the benefits that can provide free miles, those who can qualify would be well served to get the business version. After all, the world awaits, and all that is needed is a plane ticket.
If you own a small business or have multiple contractors we recommend you sign up for Business ExtrAA for free. It not only gets you free things such as Admiral Lounge days but will get you upgrades on one-way flights that really help out. It is basically bonus on top of the points you are already earning when you fly.
by PointsGuru | Jan 19, 2015
Capital One has turned out to be one of the survivor stories of the hard recession we are in right now in America. They still continue to thrive and offer some of the best offers to business and consumer. Below are two great credit cards for small business to increase your standing in the office and productivity. Time equals money when it comes to the “no hassle” of Capital One. You earn double miles with no expiration with this first card listed with no limits. You can keep this card for a year and try it out for free but im sure it will pay for its own way once you get all these double miles.
Read about Venture Rewards from Capital One
Find offers from Chase Ink Business Cards
Compare these cards to our Advanta and Discover selections.
Capital One Fan? Interest and rewards can be saved with their big selection of consumer cards.
Capital One Business Platinum Cards for Cash Back
The Capitol One Business Platinum Card has some excellent features for businesses using the card. It offers zero percent interest on all purchases and there is no annual fee for the card. It also gives card holders 1 percent cash back on all purchases that can be accessed whenever you want.
The Capital One Business Platinum Card provides businesses with a yearly report summarizing expenses. Since purchases are itemized it makes the accounting and monitoring of the purchases made on the card simple. Cards can be ordered for employees of the business with no additional charge.
Capital One Business Platinum Cards offer basically the same benefits as most other business cards. Card holders are protected from fraud and identity theft and also have access to the Visa Affiliates program, which provides discounts on office supplies, car rentals, and other business related items.
Businesses can also monitor their account with the security features provided with the Capital One Business Platinum Card. Their website is specially encrypted, ensuring any information entered there will not end up in other people hands. Fraud can be reported by phone or through their website, and any account activity can be delivered to a mobile device or emailed to whoever is in charge of the card.
Accounts are easily managed online and by setting up an account online the user can enroll to receive activity reports, add card holders, and monitor the spending of employees. There is a toll free customer service line that can be used for questions or any credit card issues.
The Capital One Business Platinum Card is a great option for businesses with good credit who are looking to increase their credit rating. There is no annual fee to worry about and the future interest rate increases are not near as exorbitant as some other business cards. The Capital One Business Platinum Card with No Hassle Cash is the perfect credit card for business owners who are interested in getting cash back on purchases, transferring balances, or traveling internationally.
The Cash Back rewards earned on the Capital One Business Platinum Card (see the comparison) are easily redeemed. The card holder can either request a payout, set up an award to be made at a certain date during the year, or get their cash back when it reaches a specific amount, which can be $25, $50, $100 or $200. Rewards can be redeemed by either using their website or calling the Rewards Center. Gift cards can also be purchased using your cash back bonus starting at $20.
Rewards earned on the Capital One Business Platinum Card can be transferred to other U.S. Cash rewards, miles, or points accounts. Other Visa benefits that apply to the card include:
- Auto rental insurance
- Visa dining discounts
- Savings on business hotels
- Extended purchase protection
- Emergency and travel assistance
Capital One Business Platinum Cards offer business owners an opportunity to get a card they can use to make purchases for their business without having to pay a fee to receive the card. The cash back feature is also an attractive option for businesses that will be using the card on a regular basis. For those who are looking for a basic business credit card without all the bells and whistles and additional fees, the Capital One Business Platinum Card presents a good option.
by PointsGuru | Jan 19, 2015
Please see: Starwood Personal Card International Travel
by PointsGuru | Jan 19, 2015
dvanta has a new business card out that was supposed to make us all jump up and down if we are in the web business. The new Advanta business card for internet marketers, SEO’s, and anyone who runs a small business including Ebay. The word is small business because it must be really small if they expect you to only spend $1,200 a year on internet related purchases such as webhosting. They only pay 5% cash back on hosting, PPC, gas, office supplies, among other things until you spend $1,200 then it goes down to the measly 1% rate that you can get with thousands of other business cards. So what makes this card different?
Nothing makes this card more appealing for those of us looking to get more money back on our big advertising spends online. IF you wish to save big on Yahoo PPC then I recommend that you use the OPEN from American Express where they pay 5% back on your purchases online. Use the AMEX Simply Cash card and you get your office supplies at 5% unlimited where this Advanta card limits you to 1200 a year spend.
Webhosting for a site can be 1200 alone for some sites and maybe 130 a year or so for smaller shared servers. Add up a month of PPC at Yahoo at $100, Google at $200, MSN at $100 and you have around $530 a month for a fairly small internet business owner. IF you fill your car up with gas that is $4.00 a gallon making the total up to 710 then you will hit the two month maximum of the annual spend within two months. Therefore, you would only get two months at the 5% running one website and PPC campaigns and a few tanks of gas.
These would all be your bonus qualifying purchases. After that they would go down to only 1 percent with unlimited cash back in which you get mailed to you in increments of fifty bucks each.
Cash Back rewards are earned based on your annual level of Net Purchases, excluding Bonus Qualifying purchases, as follows: .25% on up to $3,000 in purchases; .50% on purchases between $3,000.01 and $5,000; .75% on purchases between $5,000.01 and $15,000; and 1% on purchases in excess of $15,000.
by PointsGuru | Jan 19, 2015
Wells Fargo Rewards for Business and Personal
Attempting to go through all of my junk mail that clogs up my mailbox on a daily basis one of the letters that stood out was from Wells Fargo. One of the reasons Wells Fargo drew in my attention is because I was not aware they had any rewards program at all. I am not a customer of their bank and never really been interested in being a customer because they do not offer high enough money market rates and they do not have annual fee-free rewards cards like their competitors.
I eagerly opened up the letter regarding the Wells Fargo Business Platinum Card with Cash Back. I was excited that they
were offering a 2% cash back credit card for business owners. I was thinking it is about time they offered a card to compete with the other great line of business cards. I was then reading even more carefully to the fine print and it had limits of $500 per calendar year in rewards. That seems like a low limit for a business rewards card. It also stated that you must purchase $2,000 to get the 2% cash back. You start out at 0.5% (just like a personal Discover Card at first) on your first $350 in purchases then work your way up to the “big” 1% when you spend between $350 and $2,000.
I then went on to the Wells Fargo rewards website at WellsFargoRewards.com to find that they charge an annual fee for their rewards programs normally. The Exclusive rewards program for check card has an annual fee of $12 a year. What good is a rewards program if you are charged for it? Although, their check card rewards program is cheaper than some other banks airline debit card miles programs that can be up to $40 annually. This may not be too bad of a deal if you are already a Wells Fargo bank customer and have an existing debit card.
There just seems to be so many catches with Wells Fargo rewards programs. You even have to spend $4
just to get one point instead of most banks just asking for a spend of $1 or $2 for one point. This just seems like a rip off to me. Maybe this bank is ran by the old school bankers who do not realize how valuable rewards programs are but judging from wellsfargorewards.com it seems there are much better banks.
You will now see all of my mailers from Wells Fargo going straight to the trash. They had their chance with me. If they want my attention they better put NO annual fee, NO Limits, and a full 2% cash back on all purchases or I will not even open the package.
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American travelers have the benefit of getting credit cards that are affiliated with some of their favorite travel partners. Just about every airline has a credit card that can provide some serious benefits for cardholders. American Airlines and AAdvantage are no different, and those who get the CitiBusiness AAdvantage World MasterCard can get many great perks.