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Business Credit Card Review

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The folks at Citi do claim in their recent promotions for the Citi Professional Business Credit Card that work and play can be a real balancing act and that the Citi Professional Business credit card can help you keep track of which is which. This may certainly be the case with this premium credit card that is loaded with advanced features and benefits. Cardholders get access to the Thank You Network and a no fee rewards program. Currently one receives 3 points for every dollar that is spent at restaurants, gas stations, auto rentals, and certain office supply merchants as long as you are not participating in a limited-time promotional offer. Certain types of purchases not eligible to receive the three points scheme and they include purchases made at warehouse clubs, discount stores, department stores and convenience stores. Also, your internet, catalog, mail order and telephone purchases are not eligible to receive three points unless the merchants appropriately identifies the particular transactions.

Citi does not determine whether merchants appropriately identify all transactions you could make on your Citi Professional Business Credit Card, as mentioned above. However, they do reserve the right to determine which purchases qualify cardholders to receive points under the "ThankYou" scheme. It is easy to earn up to 100,000 ThankYou Points during any particular calendar year as eligible purchases should appear on your monthly billing statements. Just keep your Citi Professional Business Credit Card account open and current and you will remain eligible to earn points through the entire life of the rewards program. The points are valid for 3 years from the end of the calendar year in which they are earned unless the rewards scheme is cancelled. If the program somehow gets cancelled you should receive a 30 day written notice and you also have up to 90 days to redeem your points. Personally I have trouble complaining about the possibility of perhaps having to take an emergency vacation (to use up points) should the need arise.

As far as the features go with the Citi Professional Business Credit Card to help you manage your business expenses they are second to none. You can easily categorize your monthly statements and do necessary breakdowns as needed. You will also receive quarterly and annual summaries as well. Also cardholders receive a one-of-a-kind online expense reporting tool that helps you to use your statement available online to customize reports for billing, employee reimbursements and much more. The Card also comes with access to dedicated customer service reps who can assist you and help with business matters concerning your credit card. The card also includes excellent fraud coverage protection.

Please note that at the time of this review all the information was accurate. If you intend to apply online for this credit card or any other please be certain to read the latest terms and conditions from the card's issuer.

Business Credit Card Review

The Advanta Platinum Business Custom Card is a MasterCard airline rewards card issued by Advanta Business and is limited to business owners with a perfectly good credit history. It offers you a variety of services including specific services and rewards for your large or small business needs. The Advanta Platinum Business Custom Card can be used for airline rewards where you can expect the benefit of 'points' system or rebates for certain purchases.

The approval rate for this card is at an all time high and if you fall into the record of "Good Credit" and have a FICO score of 801 or more then you can expect to be on the right side of approval. Though the approval time for this offer is not listed, yet it generally takes approximately a month for the approval process to be completed as the approval process takes nearly a fortnight to complete and an additional 1-2 weeks are required for the card to be delivered to you post your approval.

The good news is that the introductory APR is 0% for 15 billing cycles, though this rate only applies towards balance transfers. Hence, you have to be cautious as some card issuers might charge higher rates and fees for cash advances. APRs vary among applicants due to different reasons but the lowest standard APR is 7.99% and it is fixed, so you can be rest assured that this rate will not change with the U.S. prime rates. What more, there is no annual fee for the Advanta Platinum Business Custom Card and you can get 5% of your cash back or avail the travel rewards offered.

The main intention of the Advanta Platinum Business Custom Card is to attract the business owners with a flawless credit record, so if you are a business owner with nearly perfect credit records this is the ultimate card for you. All you have to do is to provide your basic business information along with your Federal tax I.D. number and business phone and address while applying for this offer.

To make your transactions easy and smooth the grace period given to you by the Advanta Platinum Business Custom Card is set at twenty days at the least. Hence you can take a breather as interest charges will not be applied during the time set as the grace period. However, you will be required to pay a late fee of $19 if you fail to pay within the grace period. An over limit fee of $39 is charged from you if you exceed your permitted credit range provide by the Advanta Platinum Business Custom Card. But combined with all the other features, including you ability to save with a 0% APR for full 15 months, paying hardly becomes a difficulty.

Since the Advanta Platinum Business Custom Card has the brand of MasterCard its acceptance is undoubtedly global. So you can go almost anywhere stress free and use this universally accepted card with ease and ?lan as most businesses that accept credit cards as a form of payment will gladly accept the MasterCard's Advanta Platinum Business Custom Card.

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