Readers of the Business Traveler magazine have voted the Business Green Rewards from American Express as the best credit cards rewards program. This credit card has a membership rewards program that lets you earn points for every dollar you spend. Side-by-side, you can redeem points for merchandise, travel and other business requirements.
The Business Green Rewards from American Express is a charge card. It requires the full payment of purchases made with the card on the arrival of the monthly bill. If you make a late payment, then you will be subject to the fees, which equals the greater amount between $30 or 2.99% of the balance that is overdue. The annual fee for the card is $95. This is convenient for you if you want to avoid the piling of credit card debt.
This card has a 0% introductory annual percentage rate (APR) on purchases and balance transfers. If you can pay your monthly bills on time, then the point-based rewards program will be fruitful for you.
Privileges Of Having The Card
The points you can gain using the Business Green Rewards from American Express are not limit-bound and they will never expire. The card helps you to conveniently manage your expenses. On your first purchase, you will get 5000 bonus points. As the redemption program is extensive, you can redeem your points in denominations of as low as 400.
You can also register and order additional Business Green Rewards cards, say for your employees. The cards will automatically be linked to your Membership Rewards Account and reward you with points for each dollar your employee spends on the card.
You can avail of the OPEN Savings scheme. This will require no codes or coupons and the savings will be added to the other discounts that you might have already received. The OPEN Network offers businesses with discounts on services like shipping, telephone, printing and car rentals. The program offers fee-free additional cards and has no pre-set spending cap on the card.
The network news informs you of the benefits and promotions, worthy business articles, advice of experts and business tools and resources. The Expense Management Reports help you in being aware of the business card expenditure by spending category, time-period, individual card member with the help of the information available for the current year and two previous fiscal years. This facility comes at no extra charge.
Added Perks
The purchase protection plan provides protection from/against theft and accidental damage for a period of 90 days from the purchase date. The return protection lets you return an item within 90 days from the purchase date, in which case you will be provided with the full refund of the price, up to the price of $300 for each item.
The rewards program of Business Green Rewards from American Express include emergency card replacement, insurance protection, access to round-the-clock customer service, travel accident insurance up to $100,000, auto rental insurance, check cashing assistance and an extended option of payment that lets you pay for large purchases over time.
These days, there are many credit card debt consolidation programs available for people who are in a debt trap. Let us understand why and when you need such a programs and how you can avoid accumulating credit card debt. Shopping is a favorite pastime for many. However, have you ever imagined that excessive shopping could land you in serious trouble
Here we would like to inform you about the hazards of compulsive shopping and tell you about some remedies.
The three main points that we have covered in this article are:
Firstly, what leads to compulsive shopping? Secondly, The Disastrous consequences of excessive shopping and And Finally, How you can avoid such behavior by credit card debt consolidation
The major factor that leads us to excessive shopping is growing consumerism and materialism. We seek more pleasure and even try to judge a person not by his virtues but by the car he drives, the brand of watch he flaunts, and the model of his mobile phone. The list is endless. Constant bombardment of jazzy advertising, false perceptions of enhanced social status linked to material belongings and most importantly, easy availability of money and credit leads to excessive shopping.
Have you ever imagined how many people fall into the debt trap and lead to bankruptcy and in some cases, even to suicide just because they splurge on things they never really needed. Yes, it is true that addiction of shopping, and more importantly, using multiple credit cards and taking loans for buying unimportant things could lead you into a vicious cycle of debt.
We have understood the problem. Where is the solution? By sheer determination and some careful planning, you can avoid falling in the debt trap. The first thing you need to do is to reduce the number of credit cards from your wallet and use one card that too when absolutely necessary. Budget your monthly expenditure and spend within the budgetary constraints with adequate provisions for unforeseen expenses. Before buying anything, think twice and see if you really need it. Last but not the least, if you find this habit hard to break, consider seeking psychiatric help and counseling. If you are already in the debt trap, consider a credit card debt consolidation program, which could include a loan for consolidation of your credit cards and other unsecured debts, credit counseling or both.
So remember, shopping should be fun, the way it is meant to be, and not to rob you of your sleep!
Both Devlin Gilliland & Saurabh Jain 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.
Saurabh Jain has sinced written about articles on various topics from Pregnancy Problems, Pregnancy Problems and Debt Consolidation. Saurabh writes articles and helps people in selecting an appropriate credit card. Saurabh Jain's top article generates over 246000 views. to your Favourites.