Free Credit Card Advice

Barclaycard Business is backed by the resources and financial experience of Barclays Bank, one of the world’s premier financial institutions and Europe’s largest issuer of charge, credit and debit cards - and you don’t even have to bank with Barclays to benefit. Barclaycard Business gives you a choice of cards and fees to suit the needs of your business. With Barclaycard Business Credit Card you can use it to pay for any business expenditure, including petrol, office supplies, hotel and travel tickets.

What does a Business Credit Card do for me?

A business credit card account brings services and support to your business life. It’s like having a highly-valued employee —one that gives you back all the pleasures of owning and managing your own company.

Once you have secured a card account for your business, you’ll wonder how you ever managed without it. It can help you in almost every area of running your business from accounting to travel arrangements.
Business credit card accounts are also invaluable tools when you need to respond quickly to an unexpected opportunity.

Click here to apply for a business credit card: Business Barclaycard

Do I need to have an account with the issuing bank to be eligible?

Some issuers require you to hold your current account with them in order to be eligible for their business credit card account. Others such as Barclaycard Business do not. Always read the terms and conditions carefully.

Let the card work for you

A Charge Card can bring some unique benefits to your business. It has no pre-set spending limit so you get the flexibility you need to buy what your business needs. And provided you pay your account on time and in full every month, you often have almost two months (some up to 57 days) interest-free credit on card purchases. The exact number of interest free days varies according to the card issuer. But no matter the duration, they are very useful tools to help improve your cash flow.

Protection

Business Credit Card accounts come with no liability clauses for fraudulent use of your cards if they are lost or stolen- providing you notify the issuer as soon as it cannot be found. Some business credit card providers an online guarantee; with more business travellers booking travel online, this guarantee can cover the business for any unauthorised e-commerce transactions.

Supplemental Cards

Business Credit Card accounts make it possible to add as many supplementary cards as your business needs. Some issuers charge a fee for additional cardholders and others don’t. Read the terms and conditions supplied by the card issuer carefully! This cost factor alone will make a big difference in the actual cost to your business of having the account.

Many issuers will wave the first year’s annual fee, regardless of how many cards you decide the business needs.

What do you, the consumer, get in the Discover More Card?

• 5% Cashback Bonus in popular categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
• Up to 1% Cashback Bonus on all other purchases automatically
• Unlimited cash rewards
• $0 Fraud Liability Guarantee
• Easiest online account management options
• No annual fee

Sounds like a good deal for a Rewards Credit Card doesn’t it?

Getting down to the financial figures here are the APRs that the Discover More Credit Card offers:

• Annual Percentage Rate (APR) for Purchases - 0% until the last day of the billing period ending during August 2008; then the standard APR, a rate between 10.99% and 17.99%
• Other APRs:
  • Balance Transfers: 0% until the last day of the billing period ending during August 2008; then the standard APR for purchases
  • Default Rate: Up to 28.99%
  • Cash Advances: 20.99%
• Grace Period for Repayment of the Balance of Purchases - At least 25 days when you pay your balance in full each month
• Method of Computing the Balance for Purchases - Two-cycle Average Daily Balance (including new purchases)
• Annual Fee: NONE
• Minimum Finance Charge: $.50

So if you’re interested in a card that really rewards you, the Discover More Card could be your ticket!

American Express SimplyCashSM Business Card

• Earn 5% cash back on gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases
• 0% introductory APR on purchases for the first 12 months and a competitive APR thereafter
• Cash back is automatically credited to the statement each month
• No annual fee with the flexibility to pay in full or carry a balance
• Use our calculator to see how fast your savings add up

Business Credit Card Benefits

• No limit to the cash back you can earn
• Cash back is automatically credited to the statement each month
• Fee-free employee Additional Cards — earn cash back on the business purchases they make

American Express CardMembership Benefits

The SimplyCashSM Business Card comes with the very best Card protection and services to make it easier for you to concentrate on running your business.

• Insurance protection - Protects your eligible purchases with the Purchase Protection Plan* and the Buyer’s Assurance Plan* and provides peace of mind when you and your employees travel.
• Emergency services - Assists you with emergency card replacement, check-cashing, and hotel check-in.
• Customer service - Provides help 24 hours a day, 7 days a week.

Apply now for the American Express SimplyCash Business Credit Card and receive a decision in 60 seconds!

• Get ready for takeoff. 5,000 Award Dollars, that’s 25 TrueBlue® points, with the first purchase on your Card
• TrueBlue points don’t expire. Use your Card or fly JetBlue and we extend the life of your points for a full year
• Earn one Award Dollar for virtually every dollar spent
• Earn Double Award Dollars on entertainment, leisure, travel and dining
• 200 Award Dollars= 1 TrueBlue Point and 100 TrueBlue points=one round trip flight
• The annual fee is only $40

Take JetBlue everywhere you go.

Is it the leather seats? The DIRECTV®? Maybe it’s the friendly smile always waiting to welcome you aboard. Whatever you love about JetBlue, get more of it with the JetBlue Card from American Express - the only Card that turns the stuff you buy every day into round-trip flights on JetBlue.

Here’s how it works:

1. Virtually every dollar you charge to the JetBlue Card earns you one Award Dollar
2. 200 Award Dollars earn you one TrueBlue point
3. 100 TrueBlue points get you a round-trip flight anywhere JetBlue goes

Start the trip with 25 bonus TrueBlue points.

You’ll get 5,000 bonus Award Dollars after your first purchase with the Card. That puts you 25 TrueBlue points closer to your first Award Flight, right away.1

Earn double Award Dollars for having fun.

Want to earn an Award Flight even faster? Just show yourself a good time. You’ll earn double Award Dollars every time you use the Card at restaurants, movie theaters, sporting events, golf courses, and performing arts events, as well as on gym memberships. Naturally, that goes for all of your JetBlue purchases as well.

Your TrueBlue points don’t expire

Now there’s one more thing you can add to your JetBlue® experience. TrueBlue points that don’t expire. Whenever you earn a TrueBlue point by using your JetBlue Card or by flying JetBlue we extend the life of every one of your TrueBlue points for a full year.2

Online Account Management

Log on anytime, anywhere to view your transaction history and pay your bill. If you like doing your finances at 3 AM, who are we to argue?

Identity Theft Assistance

Should you suspect that somebody is using your identity online or in shops, American Express has representatives on call when you need them- 24/7 to help determine if you are a victim of identity theft; recommend steps for recovery; and offer tips on how to protect yourself in the future. Call the toll-free hotline at 800-297-7672 or visit us at www.americanexpress.com/idtheftassistance for more information.

Transfer balances

Transfer your unfriendly, high-interest balances to your kinder, gentler JetBlue Card - and get a 3.99% balance transfer rate for the first 6 months.

Dedicated Customer Service

You know how attentive JetBlue is while you’re flying? Well, it’s no different on the ground, where you’ll receive immediate Customer Service around the clock, simply by dialing the number on the back of your Card.

So what are you waiting for? Apply for the JetBlue American Express Credit Card now!

If you’re currently using a high interest rate card, you could save hundreds of dollars by switching to the cards that give you one of the lowest rates in the nation, a Pulaski Bank MasterCard® or VISA® Card.

What special benefits does the Pulaski Bank MasterCard Credit Card give you?

• Annual Percentage Rate for Purchases and Cash Advances: 7.99%
• Annual Percentage Rate for Balance Transfers: 0% APR for 6 billing periods from the posting date of the balance transfer check
• Other APRs: Default APR: 18% on all balances
• Grace Period for Repayment of Balances for Purchases: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
• Annual Fees: $35.00 for VISA Classic and Standard MasterCard Account
• Minimum Finance Charge: $1.00
• Cash Advance Fee: None
• Late Payment Fee: $15.00 for balance less than $100.00, $29.00 for balances of $100.00 to $1000.00, $35.00 for balance greater than $1000.00
• Over-the-Credit-Limit Fee: $35.00
• Insufficient Check Fee: $29.00
• Foreign Transaction Fee: 2% of the transaction amount

Apply now for the Pulaski Bank MasterCard Credit Card!

Triple Plus VALUES

• No Annual Fee.
• Competitive interest rates on purchases and Balance Transfers

Triple Plus PROTECTIONS

• 100% fraud liability protection if your Card is misused or stolen - guaranteed.
• Skip Payment Privilege and Strike Payment Protection

Triple Plus SERVICES

• All customer service calls answered by representatives in the United States - 24 hours-a-day.
• Merchant dispute assistance.

Fees, Terms and Conditions:

• Fixed Introductory APR: 1.99% will apply for 6 months from Account opening date. After that a variable Member APR: between 13.24% and 19.99% (as of 6/1/07)1, depending on your credit worthiness. (Minimum Member APR: between 9.99% and 18.99%. Maximum Member APR: 19.99%.)
• No periodic Finance Charges are assessed on new credit card purchases if the New Balance is paid in full within 25 days after the close of the previous billing cycle.
• Foreign Transaction Fee: 1% of the U.S. dollar amount on transactions made in a foreign currency.
• Cash Advance Fees: 3% on all cash advances, including credit card checks ($5 minimum), unless otherwise disclosed. Periodic Finance Charges apply from date of transaction.
• NO Balance Transfer Fees and APR Stays FIXED Until the Balance is Paid in Full.

Your Union Power - Every Day - Apply now for the Union Plus MasterCard Credit Card »

So if you are a student, why consider a Discover Student Card? Here’s just a few reasons:

• Online account options that put you in control
• Timely e-mail reminders to help you avoid fees
• Pay your bill online
• 5% cashback bonus in popular categories that change four times a year like gas stations, restaurants, clothing stores, travel and more
• Up to 1% cashback bonus on all other purchases automatically
• Unlimited cash rewards
• $0 fraud liability guarantee
• Advanced fraud early warning alerts

Running over the major bits and pieces again:

• 0% APR on purchases until the last day of the billing period ending during February 2008*; then the standard APR 16.99%
• Other significant APRs - Default Rate: Up to 28.99%, Cash Advances: 20.99%
• Grace Period for Repayment of the Balance of Purchases - At least 25 days when you pay your balance in full each month
• Method of Computing the Balance for Purchases - Two-cycle Average Daily Balance (including new purchases)
• Annual Fee: NONE
• Minimum Finance Charge: $.50

Apply now for the Discover Student Card!

What are the first things that jump out at you about the BarclayCard Platinum Credit Card?

• 0% interest on balance transfers for 14 months (2.5% handling fee applies)
• 0% interest on purchases for 3 months
• Typical 14.9% APR(variable)

And if that wasn’t enough - these are some of the benefits you get with the BarclayCard:

• Great deals for you with our Retail partners
• Free Identity Protection Service
• Free Worldwide Assistance
• Free Barclaycard Alerts

Apply now and like every customer enjoy:

• No annual fee
• Confidential advice if you become an identity theft victim with our Identity Protection Service
• Safer shopping with Fraud Protection – including chip and PIN, and watching for unusual spending on your account
• Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from despatch to door (excludes second-hand goods and services)
• Emergency help when travelling abroad
• Great holiday deals with our Travel Service
• Convenient online account management
• Emergency cash advance and credit card replacement service
• Text alerts five days before payment is due (opt in required)
• 24 hour helpline

So what are you waiting for? Apply now for the BarclayCard Platinum Credit Card!

Here’s a quick reminder of the benefits of the Virgin Atlantic American Express® Card.

If you’re happy with these details, apply now and fill out your details.

• 1 Flying Club mile for every £1 spent on card purchases using your card.
• 2 Flying Club miles for every £1 spent on your card direct with Virgin Atlantic or Virgin Holidays.
• 3,000 bonus Flying Club miles upon first spend.
• 0% p.a. - a cracking introductory rate on balances transferred to us from other cards - for six months from the date your account is opened. 2% handling fee applies.
• Typical rate 17.9% APR (variable).
• No annual fee - this card won’t cost you a penny extra to carry.
• A complimentary companion reward flight - spend £15,000 or more a year on card purchases using your Virgin Atlantic White Card and you’ll qualify for one complimentary round trip companion reward flight the next time you book a qualifying flight with Virgin Atlantic.
• Premium Economy reward upgrade - spend £10,000 or more a year on your Virgin Atlantic White Card and you’ll qualify for a complimentary round trip Premium Economy reward upgrade the next time you use your miles to book a qualifying reward flight in Economy, plus, spend another £10,000 in the same year and get another one.

Apply now for the Virgin Atlantic American Express® Card.

The Advanta Platinum Business Credit Card has the following particulars:

• Annual Percentage Rate: Prime plus 5.99% (14.24% as of March 14, 2007); however, introductory 0% for the first twelve billing cycles from the date your account is opened.
• Cash Advance APR: Prime plus 5.99% or Prime plus 11.74% (14.24% or 19.99% as of March 14, 2007).
• NO Annual Fee.
• Transaction Fees: Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers: 3% (minimum $5; maximum $50 with this introductory offer).
• Miscellaneous Fees: Late Payment Fee: $19 or $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $35. Dishonored Convenience Check Fee: $35. Convenience Check Stop Payment Fee: $29. Balance Transfer Cancellation Fee: $29. Bank Wire Payment Fee: $15. Foreign Transaction Fee: 3%.

So this is a good business to have: 0% APR on purchases for 12 months, 0% APR on Balance Transfers for 12 months, up to a massive $50,000 credit line! Apply now for your Advanta Platinum Business Credit Card »