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by Beth Derkowitz, Bet

The Chase Business Rebate Card has no annual fee and a 0% introductory APR for the first twelve months you have the Visa. This APR applies to both purchases and balance transfers. After the first 12 months, the cards variable APR of 13.99% is quite reasonable. The variable APR on cash advances, however, jumps significantly to 23.99%! There are, of course, finance charges for any purchases that are not paid for within the first 20 days, and there are charges for other services like cash advances and balance transfers. The maximum credit limit offered on the Chase Business Rebate Card is $35,000.

Cardholders taking advantage of the rebate program receive 3% cash back on any purchases from places like restaurants, office supply stores, gas stations, building supply stores and home improvement warehouses. A 1% cash back rebate is what is received for any other purchases on the card.

Another nice perk when using the Chase Business Rebate Card is that it offers several platinum benefits. These benefits include things like purchase protection, up to $1,000,000 in travel accident insurance and auto rental insurance.

The only downside to this particular Visa is that it determines finance charges based on a “Two Cycles Average Daily Balance". This can make the finance charges costly if you ever carry a large balance from month to month. However, if you plan to pay off the Chase Business Rebate Card each month and can use the rewards program, it may be the business credit card you are looking for. With no annual fee and a 0% introductory rate for 12 months, plus the option of 0% balance transfers, it would be a great Visa to consolidate your business expenses.

The AT&T Universal Rewards Card is designed for customers who have very good credit and want a credit card that offers an extensive rewards program. It works as both a credit card and a calling card, however, if you choose to use it as a calling card, you may find the rates higher than other calling card services. On the positive side, it offers two free directory assistance calls per month, up to 30 free phone minutes per month, and loss and theft insurance for a wireless phone.

The rewards program offers five points for every dollar spent at supermarkets, gas stations, drugstore, and when purchasing AT&T products and/or services. For all other purchases, one point per dollar spent is earned. The maximum number of points a cardholder can earn per year is 75,000, and they have a five-year expiration date.

The AT&T Universal Rewards card has no annual fee and has an introductory rate of 0% on balance transfers for the first twelve months. For purchases and balance transfers after the introductory period, the rte is 13.57% variable and a minimum cap on cash advances of 19.99% based on the LIBOR rate. The balance transfer fee after the introductory period is 3% with a $5 minimum and $75 maximum, and a cash advance fee of 3% with a minimum of $5.

This card will be the most advantageous to those who plan to utilize the calling card feature, the rewards programs, and the introductory rate on balance transfers. With no annual fee and a reasonably low interest rate for a rewards card, this is quite an attractive package.

The benefits the cardholder can expect to receive from the use of the AT&T Universal Rewards card include the following:

• It can also be used as a calling card
• No liability to the cardholder for unauthorized use
• Online access to account information
• Solutions for identity theft
• Financial statement at year's end
• Travel accident insurance up to $1,000,000
• Assistance with lost luggage
• Insurance for car rental
• Emergency card and cash replacement
• Reporting of lost and stolen cards
• Medical and legal referral services
• Emergency assistance and travel services
• Automatic payment of bills

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Both Beth Derkowitz & Joshua Shapiro are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Beth Derkowitz has sinced written about articles on various topics from Credit Card Offers, Credit Cards and American Express Card. For more information or to apply for the Chase Business Rebate Card, Beth Derkowitz recommends Find Credit Cards. See