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Small Business Credit Cards

Using a separate small business credit card for your home-based business will help you keep your accounting records organized, which is essential for tax purposes. Finding a credit card for your small business, however, can be challenging. Compare cards and look for low annual fees and benefits such as discounts on travel, business supplies or cash back.

Even if your business is new, you can still get a Visa or Mastercard. Companies will generally look at your personal credit score, so make sure you've got a good score before you apply for a business credit card. Even if you start out with a low credit line, you can increase your credit limit substantially over time.

Lowest Credit Card Rate

Optimize your credit score by carrying a low balance on your credit cards. Well, that may be pretty obvious. However, another benefit I've found to keeping a low credit card balance - and paying off your balance in full every month - is that you'lll tend to get the lowest credit card rate.

New Business Credit Card

Are you thinking about starting a business? Getting a business loan for a start-up company can be difficult in a good economy - you may be thinking that it's virtually impossible with the economy we have now.

All is not lost. Don't forget the viable financing option for many small businesses: the new business credit card.

With most new start-ups, it's likely you'll receive a lower credit line than you'd like. That's OK, because with good spending habits, you can consistently grow your credit line over time.

This is something you may want to consider if you're NOT starting your business right away or you'll be building your company part-time in the beginning. Get your business credit card early, and let the credit line grow, so that when you're ready to launch or go full-time, you've got a substantial credit line to draw from.

New Business Credit Cards

Whether you are starting a new business or have an established business, these business credit cards offer significant money-saving benefits that make them worth taking a look at.

Consider your business expenses to help you find the best credit card for your business:

- Do you travel frequently for business?
- Do you make large business supply purchases?
- Do you have a high-interest balance on another credit card that you want to transfer to a lower-interest business card?

If you're a small business owner, you may find that these new business credit cards give you many benefits that you're looking for.

5 Things to Watch Out for When Transferring a Balance

Do you want to save some money by paying off your high-interest credit card? There are lots of great low-interest credit cards - some even with 0% apr for introductory periods for as long as a year! A great alternative to paying down your debt faster.

However, there are some things you need to watch out for, you know, the "fine print". Although there are many great credit card deals, as a smart "buyer", you always want to investigate before making a purchase or signing a contract. According to BankRate, the 5 major things you want to find out are:

1. Check the time limit on the balance transfer offer.
2. Understand what is covered by the 0% interest rate.
3. See if there are any hefty fees associated with the transfer.
4. Read the terms to ensure the card is not using a "bait and switch" type deal.
5. Make sure you pay on time.

To read more on this article, click here >> http://www.bankrate.com/brm/news/Financial_Literacy/Feb07_balance_transfer_a1.asp?s=1&caret=9b

Give to Others & Get Rewarded

Is you own your own business, business credit cards can be a very helpful record-keeping tool - alllowing you to keep business expenses separate from personal expenses. Business credit cards also offer other benefits - low interest rates, cash back rewards, product discounts, convenient balance transfer options and more.

Advanta has traditionally offered business credit cards with great rates and programs, thus earning them high ratings from critics. Check out their latest business cards, which earned a 5 out of 5 star rating!

Are You Unknowingly Ruining Your Credit?

Are You Unknowingly Ruining Your Credit?

Here are some valuable tips from credit experts on (1) Not asking for what you want (2) Accepting credit line increases and (3) Consolidating your credit card accounts.

What will and won't hurt you? And are there easy sneaky ways you can get around these traps? Find out here

Credit Card Interest Rate Averages

Here's an interesting chart of credit card interest rate averages - both current rates and how they've changed from 6 months ago. Interest rates are shown by card category (i.e. business, airline, student, etc.)

If you are using credit cards to help cover expenses, comparing interest rates of cards is something you'll want to take a look at, especially if you can transfer a high-interest balance from your current credit card to a lower interest or 0% APR intro rate on another card. Depending on your balance, you can save hundreds of dollars on interest - and I'd guess there are other things you'd rather spend that money on than interest....

Beating the Airline Fare Hikes

I just read this morning that many airlines are attempting their 21st fare hike for the year. When will the fare hikes stop? Here's yet again another reason to use a credit card that earns you airline miles for significantly cheaper air travel.

These days, you can find credit cards that offer bonus miles and 0% apr introductory rates - and you don't even have to pay an annual fee. What an easy way to save money!

Pick a card that offers unlimited mile rewards if you are a big spender - believe it or not, there are some. And if you charge enough on your airline credit card, you may find that it's cheaper to fly to the grocery store than drive.