Capital One No Hassle Rewards Student Credit Card

In 1988 Nigel Morris and Richard Fairbank founded Capital One. The core focus of Capital One was to provide consumer loans such as credit cards, home loans, auto loans as well as banking and savings products. In addition, Capital one was one of the first mass marketers of credit cards. They began this mass marketing in the early 1990s. The Capital One No Hassle Rewards student credit card is an excellent choice for students those with limited credit history.

Capital One has established itself as a significant player in the credit card market. Students will be happy to take advantage of the many features that this credit card has to offer. 0% interest until June will give cardholders a chance to save money on purchases they make with their credit card. Charge your books on your Capital One No Hassle Rewards student credit card and avoid paying any interest until June. This 6 month no interest policy applies to all purchases made during the introductory period.

The Capital One No Hassle Rewards credit card also has an excellent rewards program. Cardholders can earn 1% cash back for all charges made on their Capital One credit card. This is a great way to save money as well. Use your credit card where you spend the most money like at grocery stores or gasoline stations. Should you spend $5000 throughout the year on your credit card, you will earn $50 back in rewards cash. Furthermore, there is no limit to the amount of cash back rewards that you can earn. In addition, you will earn a 25% bonus based on your previous years cash back earnings. Furthermore, there is no limit to the amount of cash back that you can earn. There is also no time limit to redeem your rewards nor is there a limit that you must meet before you can withdraw that rewards cash. Also trade you rewards points for gift cards as well.

Another major advantage to this Capital One student credit card is that it protects its customers against liability relating to fraud. You will have $0 liability should your credit card be stolen from you and used before you are able to report it. By law credit card issuers can hold their customers up to $50 responsible for fraud. Capital One goes the extra mile and does not put any responsibility on the cardholder.

Students also pay a 3% fee for all cash advances they make on their Capital One Rewards No Hassle student credit card. The only disadvantage to your cash withdrawal is that the minimum fee will be $10. Therefore should you withdraw a small amount of cash like $30 you will be billed $10 for that transaction. Should you withdraw a larger amount like $400 your fee will be 3% of the withdrawal which equals $12. It makes more sense to use the cash advance only when you need to withdraw a relatively large amount of money.

Students should also be aware of additional fees that Capital One charges for late payments and for going over your limit. The late fee is usually calculated on the amount of your outstanding balance. The fee is $15 for outstanding balances between $0 and $99.99. A fee of $29 is applied to all outstanding balances that are between $100 and $249.99. For outstanding balances of $250 or more, a $39 late fee is applied. Over the limit fees are also based on your credit limit. A fee of $19 is charged for going over your limit should that amount fall between $0 and $499.99. Should your credit limit be within the $500 to $999.99 range then your over the limit charge will be $29. For credit limits of $1000 or more it will cost you $39 to go over the limit.

The Capital One No Hassle Rewards student credit card is an excellent credit card to build your credit history. Cardholders will be very pleased with the rewards programs offered as well as the 0% 6 month introductory fee. Students who are approved for the Capital One credit card will ultimately benefit from using this credit card.

Labels: 0% credit card, credit card issuers, credit cards, Rewards Credit Card, Rewards Credit Cards, student credit card, student credit cards

The Advantages of the Amex Starwood Preferred Rewards Credit Card

As a small business owner, I know really well the importance of cash flow. There are many sources of obtaining credit when you need it. Banks, SBA loans or outside investors are among the many sources of finding cash to fund your business. However, credit cards can also be used to help you out when you need it. A credit card can be used for just about anything you can think of. Use your credit card to purchase business supplies, make payroll and take advantage of great rewards programs that can benefit you.

The Amex Starwood Preferred Guest Credit Card is an excellent choice for any small business owner that wants to take advantage of a great rewards program with low interest rates. Earn one point for every dollar that you spend on your Amex card. Use it at any of the Starwood hotels, such as the Sheraton, the Westin or W Hotels and earn two points for every dollar spent. Another great advantage of the Starwood Preferred Guest Credit Card is that you can save up to 25% on purchases from approved retailers. If you need to send a package overnight you can save 25% at Federal Express. Not bad if you need to send original documents when you are submitting an invoice. You can also take advantage of great discounts at Hertz rent a car. Another great advantage of using your Amex Starwood card for travel is that you get up to $100,000 dollars of travel insurance. If you purchase your airline tickets with your card and they loose your luggage, you can claim it back to American Express. Lastly, the Starwood Preferred Guest Business Credit Card from American Express comes with great interest rates. For 6 months you can enjoy 2.9% interest on purchases and balance transfers (balance transfers must be made within 3 months to qualify for low rate). After the 6 months are up you get a 9.9% interest rate. Interest rates for cash advances are 19.9%. The annual fee for this card is $45, but it is waived your first year as a card holder.

The Amex Starwood Preferred Guest credit card is an excellent credit card choice for the businesses traveler. Take advantage of the low introductory rate for all your business needs. Use your Amex Starwood Preferred card at many major retailers across the United States. Also take advantage of the excellent rewards program. You can also use your Starwood credit card at participating Starwood resorts in 95 different countries. Use your rewards points to take your next business trip or vacation. Your points are also transferable at over 30 airlines. Sign up for the Starwood Preferred credit card and earn up to 25,000 points which can be redeemed for up to 6 nights at certain Starwood hotels.

In all, the Amex Starwood Preferred Guest credit card is an excellent rewards card for anyone. You do not have to be a small business owner to take advantage of this great rewards credit card from Amex. Anyone can use this rewards card and earn points towards their next vacation. Apply online today and after about 60 seconds you will find out if you are approved.

Labels: Amex Starwood Preferred Credit Card, Business Credit Card, business credit cards, Rewards Credit Card, Rewards Credit Cards

A Rewards Card for the Single Professional


Everybody’s working for the weekend. Wait a minute. Wasn’t that a song from the 80s? It sure was, but HSBC has a great credit card that is perfect for the weekend shopper. The majority of consumers do most of their shopping on the weekend. During the week, most people are at work and do not have time to go to the stores and spend money. The HSBC Weekend rewards credit card is an excellent option forthe single professional and/or those who do most of their shopping on the weekends.

The best part about this rewards credit card is that it gives its users 2% cash back on all purchases made on Saturday and Sunday. Purchases made Monday thru Friday receive a 1% cash back reward. The single professional will benefit greatly from a rewards credit card such as this. Being a single professional myself, I do not have time to go shopping during the week. I do most of my shopping on the weekend when my work schedule is not so hectic. The HSBC Weekend Credit Card is perfect for the millions of single professionals who shop mostly over the weekend.

Unlike other rewards credit cards the HSBC Weekend credit card gives you an option to apply for an unlimited cash back rewards. This virtually gives you a 2% discount every time that you go shopping on Saturday or Sunday, or a 1% discount during the week. Go shopping at any weekend sale and add 2% to the total amount you would receive off your purchases. That $75 item with a 20% discount will receive a 22% discount instead. That adds up to an additional $1.50 in savings. Look at the savings on a monthly basis and you will notice a significant amount saved. Total the amount over a year and you can earn enough money to buy that latest digital camera you have been eyeing.

The HSBC Weekend credit card also offers protection for purchases made on your card. This guarantees your money back on any purchases that turn out to be defective. They also give you rental car insurance. This is an additional savings for any one that does business traveling and needs to rent a car. Be sure and decline the rental insurance when the rental company offers it, since you are already covered

HSBC is also offering a great introductory period for all purchases and balance transfers. The introductory period allows you to pay no interest for up to 12 months. This can be very advantageous to someone who is paying a higher interest rate on another credit card. Simply transfer your balance over to the HSBC Weekend credit card and pay it off in a year with no interest.

In all, the HSBC Weekend credit card is an excellent choice for those who prefer to do their shopping on the weekends. Since many single professionals do not have time to run around shopping during the week, this rewards card will empower them.

Labels: credit card, credit cards, HSBC Weekend Card, HSBC Weekend Credit Card, Rewards Credit Card, Rewards Credit Cards

Save Money on Interest with 0% Credit Card Offers, Rewards Cards and Prepaid Cards this Christmas.



The Holiday shopping season is now upon us. In these tough times we need to look for creative ways to save money. A 0% introductory rate credit card is a very good way to finance you shopping season this year. You might not be able to afford to pay for all your gifts at once; however, if you have good credit, there is a great chance that you will qualify for a 0% Credit Card. Many credit card companies offer great introductory rates such as 0% to entice customers. A creative, responsible individual can use this money to purchase gifts and pay them back during the introductory rate.

The Capital One Platinum card is a great example of many 0% credit card offers that [Capital One] offers. This great {credit card offer} allows you 6 months with no interest on all purchases. Spend $500 on gifts and break up your payments however you want over those six months and get away with paying no interest on your Holiday shopping purchases. Be sure to plan your payment schedule well. If you are expecting your year end bonus in January of 2009 make sure you contribute as much as possible to your {credit card} debt. If you are not expecting a bonus, break up your payments into 6 monthly payments and pay off your debt. Should you make your payment religiously, you will be free and clear of any interest charges. This card is meant for those with average or better credit.

The Capital One Platinum also comes with other perks that you will enjoy as well. Take advantage of their rewards program and enjoy up to 40% off purchases made on Yahoo Shopping. The non-introduction interest rate is very good as well. They are currently charging 8.9% on all purchases made after the introductory period. Be very careful with late payments. Late payment may affect your interest rates. For balances more than $250, the late fees are $39.

A prepaid credit card can also save you money if you know how to use it. You can use your prepaid credit card to make online purchases. Shopping online saves time and gas as well in addition to finding great buys. No more waiting in lines at the checkout counter or even fighting traffic and looking for a parking space should you shop online. The All Access Visa Prepaid Credit Card} is a great card to use for your online purchases. You will not have to pay any interest using your prepaid cards either. If you opt to pay the monthly fee of $9.95, Visa will not charge you the $.50 per transaction fee. You can even take advantage of using their free savings account which is paying a very decent 5% rate. Your prepaid card will also help you stay within your budget. Your remaining balance will determine how much you have spent this Holiday season should you use your {prepaid credit card}.

Also be sure and take advantage of your rewards credit card as well. Doing all of your holiday shopping using your JetBlue Card from American Express by American Express can also come in handy when you use it to rack up frequent flyer miles. You can earn one point for every dollar that you spend. Use your card at your local restaurant, pub, or movie theatre and earn two points for every dollar that you spend. Before you know it, you have earned enough points to take a trip to Las Vegas or better yet, Hawaii. Take the value of the airline tickets and subtract it from what you have spent on holiday shopping and you will come up with your true net total spent on gifts.

You can use your credit card to save money whether you use a 0% Credit Card, a rewards credit card or even a prepaid card. Be creative with your shopping and use your credit cards in places where it suites you best. If you earn double rewards points by eating at restaurants then give Chili’s gift cards to your loved ones this season. Use the double points towards your next vacation. Avoid spending time and gas looking for a parking space at the mall by shopping online with your {prepaid card}. No matter how you look at it, there are many ways to save money this season using your plastic!

Labels: 0% credit card, prepaid credit card, prepaid credit cards, Rewards Credit Card, Rewards Credit Cards

The Pudding Guy

Has anyone ever heard of the “Pudding Guy”. David Phillips also known as the “Pudding Guy” is an entrepreneur and teacher at the University of California, Davis. Davis got his nickname by figuring out that the frequent flyer miles being offered during a promotion by Healthy Choice was worth more than the actual entrees themselves. He also discovered that they were also giving the same promotion for a package of pudding. Subsequently, Davis went to multiple grocery stores in his area and purchased cases of pudding. He then made a deal with the Salvation Army to give them all the pudding in exchange for helping him pull off all the UPC codes from the little cartons. He was able to purchase enough pudding to earn him 1,253,000 frequent flyer miles. This is enough miles to make a little over thirty round trips to Europe

David Phillips was able to turn a $3000 dollar investment to a seven times that value in airline tickets. With 1,253,000 frequent flyer miles Davis can certainly fly any where in the world that he wants. His idea was so ingenious that he made the attention of the Wall Street Journal and The New York Times.

Lastly, the Pudding Guy was able to earn more than just frequent flyer miles. Since he donated all the pudding he bought to the Salvation Army, he was able to get an $800 tax deduction. It would definitely be interesting to see what this guy could do with a rewards credit card.

Labels: Rewards Credit Card, Rewards Credit Cards, The Pudding Guy