TrueEarnings Business Card from Costco and American Express makes shopping and saving at Costco a bigger deal. American Express gives you the best cash back credit card that you can have in the market today. It also doubles as a Costco membership card that gives you 1% cash back.

The TrueEarnings Business Card from Costco and American Express gives consumers rewards for every swipe they make. This means that the more you spend, the more rewards you get with this credit card.

Benefits of TrueEarnings AMEX Business Card

It is the only credit card today which gives 3% of un-tiered rebates for gasoline purchases. Aside from that you also get the following:

Earn as much points as you want since there is no limit when you talk of cash back from your TrueEarnings Business Card from Costco and American Express.

The TrueEarnings Business Card from Costco and American Express may also offer some convenience when you travel. Aside from using it to purchase airline tickets and pay for your other travel needs, the credit card also provides $100K of accidental death and dismemberment coverage when you travel. In case you lost the card, you can make an emergency check in and the hotel can still charge it to your account.

TrueEarnings AMEX Business Card Fees

You can have your photo taken and be placed on the card so it will double as your Costco membership card. The membership fee at Costco scrapes off the effect of the annual fee that may be charged to your credit card.

TrueEarnings Business Card from Costco and American Express has a 0% introductory APR for the first 3 months. The APR after the intro period will be 9.99% plus the prime rate.

It is the best cash back credit card in the market which rewards you for every swipe that you make. Management of the account is also very easy done online.

When you get hold of the Delta Reserve Credit Card from American Express, you will realize that it may be the best airline card in the market today. If you fly with Delta frequently, then you should have this American Express credit card.

Here is a quick summary of its most essential features:

Earn more MQMs

One cool feature of the Delta Reserve Card is that your level of spending will dictate how you earn MQMs. The more you spend, the more MQM mileage you get. You can use the MQMs to qualify to a higher tier status or you can give the qualification miles away. The members of the Delta Skymiles know that there are certain benefits you get.

Here’s a glance of the Skymiles program:

When you spend $30,000 in a year you get an MQM Miles Boost of 15,000. Another 15,000 miles can be earned if you spend double that in the same year. This is not just for medallion status but you can use the extra 30,000 miles for travel.

Delta Reserve Card members also has an option to give their MQMs to friends to family members so they can up their Medallion status faster.

Companion Certificate

Every year Delta Reserve Card holders also get a companion certificate that you can use for domestic flights on coach class or first class tickets.

Crown Room Club

You also have access to the Delta Crown Room Club when you fly with Delta. You can enjoy the Crown Room with two companions or immediate family. The annual membership to enjoy a crown room is at least $350 depending on your Skymiles status. So when you do the math, your annual fee is practically covered by this feature.

Here are the rates to the Delta Crown Room Club:

Spend your Miles

Another exclusive benefit you can enjoy with the Delta Reserve Card from American Express is the ability to pay for your Delta flight with the miles that you have acquired. You can do this with a few clicks of the mouse. Just log in to delta.com, choose a flight you want to take, and click on the Pay with Miles option. You can enjoy this without having to worry about any blackout dates.

You can redeem your miles starting at 10,000 to get a $100 off the Delta flight that you choose. You can also pay your airline ticket partially using your miles and charge the rest to your card. You can also use this for Northwest flights.

Concierge Service

The Delta Reserve Card also gives you access to the 24-hour concierge service like the holders of Centurion and AmEx Platinum.

Other Perks

Travel Accident Insurance

Baggage Insurance

Loss and Damage Insurance when you rent a car

Global assistance

Save money and get access to sporting events, concerts, theater, and more

Purchase protection

Fraud protection

Identity theft assistance

Give authorized access to a third party to manage your account

Verdict

Delta frequent airline fliers must get the Delta Reserve Card.

The Discover Motiva Card is the only credit card that will reimburse a full month’s interest if you pay on time. You wise management of the card earns you some cash rewards. They will give you a Pay-on-Time bonus if you make six consecutive on time payments.

The Motiva Credit Card from Discover rewards members who pay on time for six cycles in a row by reimbursing the interest next month as a Pay-On-Time Bonus. You can get this every year, twice if you manage your card properly.

The Pay-on-time Bonus gives members of the Cashback program will have two ways of earning more cash rewards aside from earning unlimited points for every purchase made.

The Discover Motiva Card provides useful payment tools and it also helps card holders by sending payment reminders. You can also make payments over the phone for free, that is even on the due date itself.

Overview of Benefits

• No Annual Fee

• Unlimited cash rewards

• You can choose a due date that will comfortably fit in with your schedule and finances

• Receive automatic email reminders so you will not miss your due date

• You can pay over the phone for free even on your due date

• Get a Pay-on-time bonus when you make six consecutive on time payments

• Cash Back Bonus of 5% through 20% from online shopping sites

• 1% automatic cash back bonus for other purchases

• Redeem your rewards and convert them to great branded items from more than 100 well-known brands

• No liability for fraudulent transactions and get fraud alerts

• No hassle secured online shopping

Rates and Fees

• Intro APR of 3.99% for the first 12 months if you have excellent credit

• APR of 3.99% for the first 6 months; standard APR goes for 11.99% through 18.99% variable

• Cash Advances at 23.99% variable

• Although you enjoy unlimited cash rewards you don’t have to worry about any annual fee

• Late Fee of $19 for balances up to $250; $39 for balances more than $250

Analysis

The Discover Motiva Card is perfect if you are the kind who maintains a balance on your credit card but still pays on time. The intro APR is an icing on the cake for people with an excellent credit. The other features like no annual fee, payment over the phone, cash back bonuses, and online access is perfect features for good value and convenience.

The downside of this card is that it somehow encourages you to be in debt by maintaining a balance on your card and getting some reward for it. The interest rates are a bit high if you will compare it with other offerings for low-risk individuals. You need to do the math if it will cost you more to carry the remaining balance or it is well worth it to enjoy the rewards.

Verdict

The Discover Motiva credit card is offers good value for those who do not immediately pay their balances. Carrying a balance in sense pays off as long as you manage your payments well. The cash back bonuses like other reward programs is a good treat.

The Platinum Delta SkyMiles® Credit Card from American Express is specifically designed to denote status and prosperity just like how American Express and Delta Airlines want their consumers to experience. This platinum card from AmEx is a perfect credit card for those who are frequent fliers who want to accumulate Delta SkyMiles.

If you have an excellent credit and always on the go, having the Platinum Delta SkyMiles® Credit Card from American Express in your pocket will be very beneficial.

Here is a quick summary of its features before we go into the details:

A Perfect Airline Rewards Credit Card

Through the reward’s program of AmEx for Platinum Delta SkyMiles holder, you can earn one mile for every dollar you spend using the credit card. So, it will help when you use the card when you shop at drugstores, groceries, gas stations, hardware stores, or practically any where AmEx is accepted. The Delta Miles you earn can be redeemed through Award Travel with Delta Airlines or with the other 15 airline partners.

Another good feature of the SkyMiles card is that you even earn points when you buy tickets at Delta. Every dollar you spend means getting closer by a mile to your next great vacation.

American Express wants you to be the boss of the miles you earn. They have a program called Pay with Miles which allow you to use what you have earned to pay for your Delta or Northwest tickets. You can start doing this when you have already earned 10,000 miles and have $100 off your ticket with any Delta flight.

You can use your miles to pay in full or pay part of your airfare. You also don’t have to worry about any blackout dates. This is your exclusive benefit as a Platinum Delta SkyMiles credit card holder.

What’s good about this card is how you can enjoy the benefits of your spending especially when you travel a lot. Each bag of candy, cup of coffee, or an LED TV you buy counts for your Award Travel perks.

Platinum Delta SkyMiles Membership Benefits

One benefit your wallet and bank account will love how American Express allows you to pay what you charge over time. It will also be very convenient to have your Delta Frequent Flyer number on your credit card so your travel can go without any hassle.

Every year, you will get a complimentary Platinum Companion Certificate so you can share the benefits of your membership. Again, there is no minimum fare requirement and no need to worry about any dates on the calendar.

The Platinum Delta SkyMiles® Credit Card from American has a built in feature called Mile Boosts. This means that you can see your loved ones sooner since annually you can earn as much as 20,000 miles of MQMs. A boost of 10,000 miles can be earned when you have made $25,000 of eligible purchases. Another 10,000 miles will be rewarded to you when you get to the $50,000 line of spending.

Credit Card Perks

As a Platinum Delta SkyMiles credit card holder, you have a treasure chest of perks so you can enjoy your shopping, have access to excellent entertainment, and manage your finances without any glitch.

Entertainment

You can get access to sporting events, concerts, family shows, theater, and other exclusive premium events through Ticket Master. Save some dollars on those tickets when you use AmEx’s Ticket Savings Center. You just need to use AMEX as your promo code when you purchase your tickets.

If you love stage plays and musicals, American Express has AmEx Presents Broadway Live on Yahoo!. Aside from getting tickets before the general public knows about it, you also get to see exclusive footages, photos, and behind the curtain buzz.

The best card gives you the best entertainment access and best seat in town.

Shopping

You can enjoy an Extended Warranty with the items you purchases paid entirely using your credit card. The original warranty period of the manufacturer can be extended by up to a year. Any item which has a warranty period less than 12 months will also have an extended warranty based on the original time period.

When you purchase goods using the card, you get Purchase Protection for no extra cost. The items you buy will be protected against theft or accidental damage up to 3 months after the date of purchase.

You will also get exclusive offers as a Platinum Delta SkyMiles credit card holder.

Financial Management

The Platinum Delta SkyMiles® Credit Card from American Express also comes packed with different financial management features:

Is the Platinum Delta SkyMiles® Credit Card from American Express right for you?

The verdict for this platinum credit card from American Express can be expressed in a sentence. If you are looking for the best airline rewards program in the market today, then you have found it with Platinum Delta SkyMiles® Credit Card from American Express.

Simmons First Visa Platinum Travel Rewards card does not have the lowest APR in the market right now or the most generous rewards system but they have very fair policies. When all you can do is gloat at the default APRs as high as 20.99% or over the limit charges as high as $59, this credit card can boast of very reasonable terms during these rough times.

You can tag it as the best credit card for those with excellent credit score but makes a few small financial blunders from time to time like paying a bill late for a month. The card has no annual fee and the rewards programs plus the travel benefits are highly commendable.

How the card works

The Simmons First Visa Platinum Travel credit card has a variable APR of 9.25% and gives 25 days of grace period when you pay off your balance at the end of the cycle. This is feature plus the travel perks make this credit card perfect for travel purchases and day to day use.

The low APR of the credit card makes it useful for emergency spending or if you really need to carry a balance on the card for a few months. The interest rate for your cash advance is reasonable at 13.25% while the default APR is 16.25 if in six months you miss on two payments. In case you default but able to pay on time for the next six months, your interest rate will go back to the 9.25% variable. The reasonable rates make rebounding from small financial decision making lapses manageable.

You can also use this credit car for transferring balances from your credit cards with higher APRs. You don’t have to worry about any transfer fees. It is free.

Shopping and Travel benefits

Remembering a list of shops that participates in the program can make things complicated at times. The rewards program of Simmons First Visa Platinum Travel Rewards credit card is very simple. You don’t have to think about a list or frequently visiting the credit card’s website to check, you can quickly build up points for a holiday or travel.

Every dollar you spend gives you a point for travel rewards. You can use these points for any US based airline and don’t have to worry about seat restrictions and blackout dates.

You can also use your points for vacation packages, cruises, car rentals, hotel stays, or dining gift certificates. The redemption is hassle free. We heard that they also have a great customer service in case you have questions about your card or the rewards program.

Cardholders will also enjoy up to about $1 million in travel insurance and coverage for car rentals when you use your card for this spendings.

Fees

The credit card does not collect any annual fee. Late fees will cost you a reasonable charge of $29 when some banks can charge as high as $59. Convenience checks or cash advance fees range is 3% or ranging from $4 to $50 tops. You can also use this for balance transfers since they don’t charge any fee.

Pros and Cons

The plus side will be the easy redemption of the reward points, grace period for finance charges, low fee for cash advances, insurance coverage, and no black out dates or seat restrictions when you travel using your travel rewards.

You need excellent credit to have this card in your pocket. Another downside is a variable APR.

Verdict

This credit card is great for balance transfers and everyday use. There is no annual fee plus the card has a very reasonable APR. The travel rewards are comparable to other rewards programs. If you are looking for these thumbs up features then the Simmons First Visa Platinum Travel Rewards credit card fits your lifestyle.

Amid the tough economic times, Barclay introduces the Visa Black Card which is a luxury credit card specifically designed for the top 1% of the U.S. market who can spend and swipe $50,000 up per year.

The Visa Black Card primarily meets head on the Centurion Card of American Express. The card made of black carbon graphite works more like a platinum card and presents the holder with top of the line services and benefits.

If you want to know if you qualify for the Visa Black Card , you can visit their website and fill up the form. You can also try to apply over the phone by dialing 866-252-2522

Aside from the limited membership of the Visa Black Card, it also gives those who can get the credit card the following privileges:

Concierge Service

You can put spotlight on the 24×7 Concierge Service the Visa Black Card offers its holders. Through this service, professional assistants can attend to your business needs, entertainment planning, gift purchases and arrangement, travel information and other special services via email or over the phone.

The Visa Black Card annual fee of $495 may actually be paying for the concierge service ensuring that someone can attend to your need any time and any where you are. The annual fee is comparable to the Platinum Card of AmEx at $450.

A Card that Insures that You get the Best of Things

The Visa Black Card also provides travel insurance of up to $250K, baggage delay coverage, auto rental damage waiver, trip cancellation insurance, purchase security, and warranty services.

Do You Qualify for a Visa Black Card?

The best credit card only ends up in the pocket of the biggest spenders in town. Visa Black Card will not be yours for the taking if you don’t have a credit report that is next to immaculate.

Some consumers who have an average credit score with average income reported that they tried to apply for the Visa Black Card and they were qualified for it. The super exclusive card somehow makes way for people to feel good about themselves. The focus on the qualification is your good financial history and your clean credit report.

Visa Black Card also offers 0% on balance transfers for 6 months. That is one way Visa stretches its arms to help its clients somehow.

The Visa Black Card is the best credit card in town right now. This graphite carbon card is more than a status symbol but a top of the line guarantee that you can get whatever you want wherever you are.

Blue Sky from American Express

The Blue Sky from American Express is a perfect card for frequent flyers who want to take advantage of an excellent reward program. Here is a quick rundown of its features:

Rewards

The Blue Sky credit card from American Express will let you enjoy the freedom you want when traveling. There are no blackout dates or seat restrictions when you redeem the rewards you have earned.

You can redeem the fruits of your spending as low as 7,500 points or get $100 credited to your statement which you can use for your hotel, airline ticket, or car rental.

You earn points with virtually anything that you spend on using your Blue Sky credit card. There is no need to worry about any expiration dates on your points and there is not set ceiling so you can earn as many points as you want.

When you redeem your points, you don’t have to worry about any blackout dates or seat restrictions. You can choose your own agent to book your tickets. You can also use a full statement credit to pay for your travel purchase when you have enough reward points.

You also get great deals from partner hotels and resorts worldwide when you use your Blue Sky. You can save a lot of money when you stay in partner hotels like the Marriott or the Hertz. You will also get free breakfast during weekend stays at these partner hotels or a $100 off for your next stay.

Other Benefits

The AmEx Blue Sky card comes packed with a nice set of perks:

Fees

There is no annual fee for the Blue Sky from American Express.

Verdict

If you travel a lot you will love the various discounts you can get from different merchants in different countries. When you travel overseas you may want to checkout retail shops and restaurants that can offer you special discounts when you use your Blue Sky from American Express.