Designed for businesses with an established credit history Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards 0% intro APR on Purchases for 6 months. After that, 13.24% variable Earn 3 ThankYou® points for every $1 you spend on eligible purchases in rotating business categories Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash No limit to the amount of points you can earn on purchases and points don't expire No Annual Fee*

Rates and Offers

The regular APR is 13.24% (Variable)*, based on your creditworthiness. The card also gives a nice little introductory rate of 6 months on purchases*. Often we don’t see business cards offering these types of intro rates, so this is helpful if you need extra time on a large purchase.

Earning Rewards

The card comes packed full with a nice bonus offer. The card gives 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of card membership. That breaks down to just spending $1,000 per month and that’s enough to get you $150 in gift cards.

In addition, you will also earn 3 ThankYou(R) points for every dollar spent on eligible purchases in rotating business categories. We don’t see many business cards that function with rotating categories. Let’s take a look at what the categories are:

Other Features

How to Apply for the CitiBusiness ThankYou® Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi website. From this page, you can click on the apply now button to go to the CitiBusiness ThankYou® Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the CitiBusiness ThankYou® Card official website.

How does a $1,000 movie theater gift card sound? Well, Chase is giving one away in their Chase Freedom $1,000 Sweepstakes. All you have to do is answer a few simple questions and “LIKE” their Facebook page to enter. I just signed up and it’s really as simple as it sounds. You can only get entered from a computer – not from a table or smartphone. The cool thing is there is no purchase necessary to enter or win and you don’t even have to be a cardholder. However, if you are in need of a great credit card offer then below are the details of one of the Best Cash Back Cards available. The Chase Freedom® Visa – $100 Bonus Cash Back offer is a tough one to beat so I wanted to share the details with you.

Chase Freedom® Cash Back

There are several reasons why I love the Chase Freedom® Visa – $100 Bonus Cash Back, but I’m going to narrow it down to two reasons. The first is because of the $100 cash back you receive after you spend just $500 bucks in 3 months. That breaks down to just $166 per month. Most of us spend much more than that on our gas each month. So, consider using this for your gas purchases just to earn an extra $100 cash back. The next reason this is one of my favorite offers is because it gives 15 months on purchases* and 15 months on balance transfers*. If you plan on making a big purchase and need some extra time paying it off, or if you need a nice balance transfer card this is a perfect choice.

If you’re more of a MasterCard type of person, this card also comes in a MasterCard version. The Chase Freedom® MasterCard offers the same great perks, it’s just in the form of a MasterCard. Both cards also allow you to earn 5% cash back in rotating categories and you always get to earn 1% on all your other purchases. Again, if you need a solid cash back offer then check this one out!

Citi recently relaunched one of their popular miles cards, the Citi® Platinum Select® / AAdvantage® Visa Signature® Card. If you’re an AA frequently flyer then you will be impressed with some of the additions. It’s got a nice 30,000 American Airlines AAdvantage® bonus miles offer and you can even check your bags for free when flying. There is a $95 annual fee, but it’s waived for the first year.

Here’s what the cards got to offer:

Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership* Your first eligible checked bag is free* Priority Boarding* and 25% savings on eligible in-flight purchases* Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal* Double AAdvantage® miles on eligible American Airlines purchases* Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year* No mileage cap* and your miles may never expire*

Rates and Offers

This card does not have an introductory offer. The regular APR is 15.24% (Variable)*, based on your creditworthiness.

Earning Rewards

The real perk with this card is the bonus offer. You can earn 30,000 American Airlines AAdvantage® bonus miles after you spend $1,000 within 3 months. That breaks down to just $333 each month for 3 months and 30,000 bonus miles will go a long way. On all your American Airlines purchases you will earn double AAdvantage® miles.

Free Checked Bags

If you’ve recently traveled then you know just how expensive it is these days to check your luggage. If you’ve experienced this then you will surely appreciate what this card offers. This card lets you and up to 4 companions each check one bag for free. That’s right for free! That alone can save you a couple hundred dollars each trip.

How to Apply for the Citi® Platinum Select® / AAdvantage® Visa Signature® Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi website. From this page, you can click on the apply now button to go to the Citi® Platinum Select® / AAdvantage® Visa Signature® Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Citi® Platinum Select® / AAdvantage® Visa Signature® Card official website.

We are starting to see more and more credit cards jump on the bandwagon and waive their foreign transaction fee. At one time all cards charged this fee, but today consumers have a variety of cards to choose from.

To get you started, here’s a list of the Best Credit Cards for International Travel.

EDITOR’S CHOICE: Capital One® Venture(SM) Rewards Credit Card

Money® Magazine's "Most Rewarding Card if you crave free airline flights" 2 miles per dollar on every purchase, every day Earn 10,000 bonus miles, equal to $100 in travel Redeem your miles for any travel expense No limit on the miles you can earn and miles won't expire Fly free on any airline, any time with no blackout dates No foreign transaction fees $0 intro annual fee for the first year; $59 after that

For more information, check out our Capital One® Venture(SM) Rewards Credit Card Review.

Chase Sapphire Preferred(SM)

Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards! 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases. Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM No foreign transaction fees Receive a 7% annual dividend on all new points earned - even on points already redeemed 1:1 point transfer to participating frequent travel programs Direct access to expert service advisors anytime No Annual Fee for your first year - A $95 value

For more information, check out our Chase Sapphire Preferred(SM) Review.

Discover® Motiva Card

Earn Cashback Bonus® for your good credit management 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

For more information, check out our Discover® Motiva Card Review.

United Mileage Plus® Club Card

Annual Club Membership - up to a $475 value Premier AccessSM Priority Airport Services Earn a 50% Mileage Bonus Check your first and second bag for free No Foreign Transaction Fees* Receive Access to exclusive events with Inside Access from Chase

For more information, check out our United Mileage Plus® Club Card Review.

Do you still need a gift for mom? Be sure to check out some of the nice Mother’s Day offers through Chase Ultimate Rewards. There are two exclusive offers for Mother’s Days. If your mom likes Sephora or Clinique products then check out these deals:

The Chase Freedom cards are some of the best cash back cards around. They give a nice bonus offer and they give other sweet perks too, like access to Chase Ultimate Rewards. If you aren’t cardmember then check out some of the details below and apply online today!

Chase Freedom® Visa – $100 Bonus Cash Back

The Chase Freedom® Visa – $100 Bonus Cash Back is one of my personal favorite cards because of the Ultimate Rewards which often gives 10% to 20% cash back on special purchases. The other reason this card is a nice choice is because of the $100 cash back you get just for spending $500 within the first 3 months. You will also earn 5% cash back for every dollar you spend in rotating categories and 1% cash back on all your other purchases. The rate you receive will be between 12.99-22.99% (Variable)*, based on your creditworthiness.

If you prefer MasterCard then check out the Chase Freedom® MasterCard version of the offer.

It seems like traveling has become more and more expensive these days thanks to gas prices and additional checked baggage fees. Chase has just launched a travel rewards card just in time to save you some money for your summer travels. The United Mileage Plus® Club Card has many benefits including unlimited access to more than 50 United Club locations, priority check-in & boarding, and up to two free checked bags! The card has a hefty annual fee of $395, but if you’re a big traveling this fee is more than worth it.

Here are some of the details:

Annual Club Membership - up to a $475 value Premier AccessSM Priority Airport Services Earn a 50% Mileage Bonus Check your first and second bag for free No Foreign Transaction Fees* Receive Access to exclusive events with Inside Access from Chase

Rates and Offers

The APR you receive will be 15.24% (Variable)*, based on your creditworthiness. This is a competitive rate for a travel rewards card. This card does not offer a special introductory rate for purchases or balance transfers.

Earning Rewards

The real reason to consider this card is because of the rewards. Here’s how it works. You will earn 1.5 award miles per dollar spent which is a 50% bonus on the 1 mile per dollar you usually earn with travel rewards cards. When you purchase United tickets you will earn 2 miles per dollar you spend – those that travel with United will like this. Your miles don’t expire as long as you are a Cardmember and you won’t pay close-in booking fees on award tickets.

Club Card Travel Perks

Now to the fun stuff. As a cardmember you get special travel perks that can make your travel experience all the better. Here are some of the nice perks you get just for carrying the card:

How to Apply for the United Mileage Plus® Club Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Chase website. From this page, you can click on the apply now button to go to the United Mileage Plus® Club Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the United Mileage Plus® Club Card official website.

The good news and the bad news is that credit monitoring sites are not uncommon these days. Sorting through them to find the good ones is a different matter. Quizzle.com certainly is one of the good ones, but let’s make sure we know exactly what they offer.

Signing up is easy. No social security number or credit card information is required. The site is easy to navigate. You will be asked during the sign up process if you want to upgrade to one of three monthly monitoring services including Monthly Monitoring @ $5 month, Level 1 Package @ $15 monthly, or Level 1 Package plus 1 million dollar coverage for identity theft @ $25 monthly. If you are not interested just click “no thanks” and continue for the free info. Unfortunately these offers come up every time you sign in – a tad annoying.

Free Credit Score and Report

Once you set up your account you will have access to your Experian Credit Score and complete Experian credit report. Just so you know, the Experian Credit Score is a based on a different formula than a FICO score. They are not trying to trick you into believing it’s the same. There is a debate these days as to whether the FICO is the only true credit score, but the reality is they are both accurate – just different. “Educational credit score” is another term used for this formula. Bottom line, knowing either score can help you understand and improve it.

For our purposes we can say that the score and the report are a great way to determine the health of your credit and the accuracy of the information within the report. The credit report is detailed and contains the following information:

Valuable Guidance

Budgeting help is available if you are willing to take the time to enter your loan information (no specific account numbers), income, insurance, utilities, etc. Based on this information, you will get tips on how to budget your ongoing finances. Like I said, upgraded monitoring and improvement services are available but even without the extras bells and whistles; there is good practical information here – for free.

Quizzle will encourage you to establish a rainy day fund. This is important in any long term financial planning. Six months of your net income is their proposed goal. It actually calculates the exact amount you need in your rainy day account based on your annual income.

Great information is also available for anyone in the market for a new home. They have a nifty calculator, mortgage recommendations and a wealth of information regarding neighborhoods of interest. Of course there are mortgage offers galore.

The Skinny

Quizzle.com will provide your Experian credit score, a detailed Experian credit report, budgeting tips, mortgage tips, and a glimpse at what’s lurking behind the curtain. It’s a free peak and more – and I do mean FREE.

It’s time to take a look at the 5% rotating categories for the Discover More cards. Each quarter the categories change so it’s worth your while to know what type of spending that will get you the most back. Let’s take a quick look at the current categories for this quarter:

In order to be eligible for the 5% cash back offer you MUST register each quarter. You can do so by logging into your online account. Once the categories change you have to register again.

5% Cash Back

April through June you will get 5% back on your restaurant and movie purchases. Remember that you only get the 5% back on up to $1,500 in purchases, but that comes to $75 in bonus cash. Starting in May, you will also earn 5% back on your grocery purchases on up to $300.

1% Cash Back

Keep in mind you always earn 1% cash back on all your other purchase. That means any purchases that fall outside the 5% categories or purchases that exceed the amount you can earn in the 5% categories will still net you 1% cash back.

Discover More Offers

If you aren’t a cardmember yet then check out the two offers below. Both offers participate in the 5% cash back we just talked about. You really can’t go wrong with either card. Pay close attention to the introductory rates because that’s where the cards differ.

The Discover® More® Card has long been a favorite among rewards cards. The card offers an introductory rate of 0% for 15 months on purchases*. After the introductory rate, the APR you receive is 10.99-20.99% (Variable)*, based on your creditworthiness.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

The Discover® More® Card – 18 months on balance transfers is a good choice for those that need a longer balance transfer offer. The card offers an introductory rate of 0% for 6 months on purchases* and 18 months on balance transfers*. After the introductory rate, the APR you receive is 10.99-20.99% (Variable)*, based on your creditworthiness.

• 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
• 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
• 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
• Discover is ranked #1 in customer loyalty -16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

Many banks and credit card companies are now offering mobile apps for their customers. Apps make managing your account easy, convenient and even kinda fun. I always manage my Capital One account right from my iPhone app. It allows me to quickly log in and pay my bill or view my transaction history to make sure everything is correct. It’s so nice having an app to access my account that I wish all my credit cards had apps.

Lucky for American Express cardholders there’s an iPhone and iPad app that you can use to manage your accounts. This article will cover all the features of the iPad app so you can see if it’s right for you. It’s completely free so go ahead and try it out. Also, check out the screen shots below so you can get an idea of how the app works.

Here are some of the things you can do with the Amex iPad® App:

Amex for iPad® is available for Consumer Cards, Business Cards from OPEN®, and Corporate Cards issued directly from American Express in the U.S. Here are the card accounts you can currently access with the app:

As you can see from the screen shots below, the app is very user friendly and captures your account nicely. I like the fact that you can review all your Amex card accounts with one log in. You can just tap on the account you want more details about to take a closer look. The graphics looks really good and it even shows you a picture of each card. You can quickly see when your payment is due which is nice when you have multiple cards.

From this screen shot you can see just how nice it is to get all your important information on one screen. This shows your balance, recent charges, payment date and more. You can check your account for accuracy by looking at your pending charges and your recent transactions. It even allows you to see how many points you have and gives you the option to use your points to pay your bills.

If you need more details about a certain transaction then you can access that information, too. You can get several details about your transactions which will come in handy if something looks unfamiliar. You can organize your transactions by date or dollar amount so you can easily find what you’re looking for.

For more information, check out the Amex for iPad® at iTunes.

Just in time for our summer travels Chase has announced they are bringing back the 2 Free Flights Deal with their popular Southwest Airlines® Rapid Rewards® Plus Card. This offer has been a crowd favorite for a good reason. The card is offering 50,000 sign up bonus miles for new members after the first purchase. The 50,000 miles is worth over $800 in “wanna-get-away” fares and can be redeemed for 2 round trip flights. That means just for making a purchase you can earn 2 round trip flights.

As with all other good airline card offers, you earn double miles on Southwest Airlines ticket purchases as well as their car rental partners. One special perk that many people miss that Southwest does not charge “change fees” or “baggage fees”. To sweeten the deal they have even lowered the annual fee down to just $69.

Earning Rewards

In addition to the free flights, this card has a nice rewards package. Here’s a look at what the card offers:

For more details on this offer check out our Southwest Airlines® Rapid Rewards® Plus Card Review.