CitiBusiness ThankYou Card
May 13, 2012 by Charlie Stedman · Leave a Comment
The CitiBusiness ThankYou Card is designed for business owners and their employees. It offers a 0 percent introductory APR on purchases, management tools and rewards for everyday expenses, which can be redeemed for cash, travel, technology, gift cards and more.
Earn 15,000 bonus ThankYou(R) points after you make $3,000 in purchases within 3 months of cardmembership – enough for $150 in gift cards. Earn 3 ThankYou points for every dollar you spend on eligible purchases in rotating business categories, and 1 ThankYou Point per dollar spent on other purchases. You can even earn ThankYou Points from purchases made on your employee accounts. You can redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
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Citi offers around-the-clock specialized small business customer service, online expense tracking, quarterly and annual account summaries, and individual credit limits for each employee card to control expenses.
There is no annual fee.
American Express Overtakes MasterCard in Credit Card Volume
March 7, 2012 by Charlie Stedman · Leave a Comment
It used to be an article of faith among both consumers and industry observers that Visa and MasterCard were the “big two” payment networks. At least in the United States, they are both accepted equally, while customers still occasionally encounter retailers that will not accept American Express cards. Nevertheless, 2011 became the first year in which American Express exceeded MasterCard in terms of total charge volume.
According to the Nilson Report on General Purpose Cards, American Express succeeding in capturing 26.3% of the market for credit card charges, second only to Visa at 43.3%. At the same time, MasterCard fell to third place with 24.8% of the total credit card charges, while Discover brought up the rear at 5.7%. When both debit and credit cards were considered, MasterCard still retained 25.1% of the market, behind dominant Visa at 56.7%, but still way ahead of American Express and Discover which held on to 15% and 3.2% respectively.
MasterCard as a brand is clearly slipping behind American Express. This i
Making Sure You Get Credit Card Reward Bonuses
January 13, 2012 by Charlie Stedman · Leave a Comment
It would be an understatement to say that the credit card industry is intensely competitive at the moment. Banks are trying absurdly hard to earn new business and are offering applicants some truly astounding sign up bonuses that range as high as $500. When advertising these bonuses, banks often specify that customers may earn “up to” a certain number of points or “as many as” a specific amount of miles. Nevertheless, these offers come with conditions that must be fulfilled in order to receive these bonuses. Therefore, cardholders must take several steps to ensure that they receive all of the bonus points and miles that they are entitled to.
First, customers should thoroughly read the terms and conditions of each offer. When doing so, it is important to explore all asterisks and footnotes in order to learn the complete set of conditions necessary to comply with the terms of the offer. In some instances, the entire sign up bonus is awarded upon the cardholder’s first purchase. In other
Hackers steal more than credit card data
January 8, 2012 by Charlie Stedman · Leave a Comment
Here’s a newsflash: Hackers can wreak havoc for credit card owners. As tales of identity theft and stolen credit cards become a seemingly almost everyday occurrence, you may be unclear what to do to protect yourself from high-tech thieves. And thieves thrive on your confusion.
I read about the Christmas Day attack on American think-tank Strategic Forecasting, a company that gives its clients political, economic and military analysis…all in the name of helping them reduce risk. The group that claimed responsibility was hacking group named Anonymous. The hack compromised the credit card numbers and personal information of more than 50,000 accounts of people who do business with Stratfor clients, such as Apple and the U.S. Air Force, according to CNET News.
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The reason for the attack depends on whom you ask; (a) to teach Stratfor a lesson for not encrypting the credit card information it held, or (b) to take funds from those cards and send as Christmas donations. Wh
Southwest Airlines Rapid Rewards® Plus Credit Card Review
December 8, 2011 by Charlie Stedman · Leave a Comment
Chase’s Southwest Airlines Rapid Rewards Plus credit card has undergone a number of makeovers during the past year. The latest rendition of the Southwest credit card provides applicants with a very respectable 25,000 Rapid Rewards point sign up bonus worth slightly more than $400 in Wanna Get Away Fares as well as all the standard reward features consumers have come to expect from airline credit cards.
Approved applicants who make a single purchase obtain the aforementioned 25,000 Rapid Rewards point bonus. The points have a value of 1.7 cents each when used for Wanna Get Away fares and can thus be used to purchase a round-trip flight comprised of two one way $200 tickets. Given that it is often possible to get Wanna Get Away fares for as low as $50, these points could theoretically be enough for four flights.
Apart from the sign-up bonus, card-members earn 2 Rapid Rewards points for every dollar spent on Southwest Airlines purchases in addition to rewards earned from flying. G