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It is true. First-world countries like the United States of America could never be the same without the almighty credit card. According to research studies, an average American family maintains at least eight (8) credit cards, with emphasis on “at least.” Having a card is a staple in the American lifestyle. Research studies, however, have another alarming finding: the fact that most credit card holders are in debt, or are having problems with credit card companies.

One dilemma for credit card holders is the incredibly high rates that companies prescribe for consumers. It is a fact that most card applicants overlook the Annual Percentage Rate (APR) of a card because other features seem to be more important. For example, a 5% cash back incentive, and welcome gifts (a pair of Ray Ban wayfarers or a Prada purse) will surely be noticed more than an APR that dictates a whopping 22.99%. The result is that most card holders end up with cards that have expensive APRs.

Yes, this credit card game could indeed be nasty. However, it is not necessary to give up on the wonder of credit cards just yet. You

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Tags: Card, Credit Card

Scouting for the right credit card for your business can be a challenge especially with all the great deals advertised in the market. Obviously, the ads only highlight the best about a credit card. In order to compare effectively, we need to take a closer look and go beyond the marketing hype. In this article, let’s talk about important points that we should consider when looking for a small business credit card.

A credit card that matches your company’s needs. Think about the specific needs of your company. Do you need to distribute employee cards? Do you need a credit card that offers rewards? Do you need a higher credit line? Do you need to use checks to pay your suppliers every once in a while? Is the credit card really designed for smaller businesses?

A business credit card with low or fair interest rate. Everybody wants a low rate card. Why put up with a high-rate card when you can find one with the same features yet with a lower interest rate? A lot of issuers offer a good rate to attract new customers. Com

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Tags: Card, Credit Card

Do you want a credit card that gives you travel perks and a chance to earn frequent flyer points? Are you sick and tired of paying high annual fees for frequent flyer cards and other rewards cards though? If you answered “yes” to both of those questions, you might find exactly what you’re looking for with the American Express Blue Sky credit card. Not only do you earn frequent flyer points, but they can be redeemed with multiple airlines, have far fewer limits and restrictions than other frequent flyer cards, and you’ll get all of that with no annual fee!

Find out more about the American Express Blue Sky credit card below and discover how much you can really get from your next frequent flyer card.

Type of Credit Card: Rewards card / No annual fee card

Interest Rates*: The American Express Blue Sky credit card is subject to a 19.99% APR.

Annual Fee*: Even though the Blue Sky card might have a relatively high interest rate, a surprising feature is its lack of an annual fee. Whereas

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Tags: Card, Credit Card