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Jason Steele
Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.

Citi® Dividend Platinum Select® Visa® Credit Card Review

Jason Steele

citi dividend platinum selectCredit card companies offer two major types of credit cards: cards with low interest rates on purchases and balance transfers, and rewards cards. Low interest cards are designed to benefit those who carry a balance on their cards, while rewards cards benefit customers who pay off their balances in full each month.

However, some cards offer both features. For example, you can find cards that have an introductory finance offer and also cash back rewards. The Citi® Dividend Platinum Select® Visa® is one such card that helps cardholders pay off balances now, and earn rewards later.

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Citi ThankYou Premier Credit Card Review – Get 2X Points for 24 Months

Jason Steele

citi thankyou premier credit cardCitibank has emerged as one of the largest retail banks in the United States, and is a major player in the credit card market. Although they offer travel rewards credit cards co-branded with airline and hotel partners, they also offer several cards that earn rewards in their proprietary ThankYou point system. ThankYou points are accrued by using a Citi credit card, banking with Citibank, and shopping with participating retailers. The points can be used on a variety of items that run the gamut from electronics to entertainment.

One such card that earns these unique points is the Citi ThankYou Premier Card.

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How to Compare the Best Credit Card Rewards Programs

Jason Steele

credit card girl pinkHow would you like to receive 2% or more off of every purchase you make? That is just one example of what is being offered to credit card users in the form of rewards.

Those who have come to realize the opportunities of credit card rewards have found that there are dozens of competing products. No one card, or group of cards, is right for everyone.

So how do you choose which credit card use? It is not simple, but there is a proven way to ensure that you are receiving the most value in return for your credit card spending.

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Target REDcard Review – Debit Card With 5% Discounts at Target

Jason Steele

target redcard debitDebit cards were in the news frequently this past year – often in a less-than-positive light – as numerous banks sought to impose fees for their use. Normally, a debit card is issued by the bank that holds your checking account, though this is not always the case. The Target REDcard is one such debit account set up via a retailer, rather than a financial institution.

The Target REDcard functions as a debit card that draws funds from any checking account. It offers the same convenience as any debit card, while offering customers additional benefits, such as a 5% discount on most purchases. Below is more information on the top features and how it works.

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Discover Miles Credit Card Review – Get 12,000 Bonus Miles

Jason Steele

Important Note: This card has been discontinued and replaced by the newer Discover it Card.

discover milesThose who seek credit card rewards are immediately tempted by airline-affiliated travel rewards cards that offer frequent flyer miles. However, many of us have become disillusioned by these offers when we realize how difficult it can be to find available airline awards at the lower mileage levels.

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Iberia Bank Visa Select Credit Card Review – 0% APR for One Year

Jason Steele

iberia bank visa select cardIberia Bank has been in existence for 125 years, but only has locations in six Southeastern U.S. states. Nevertheless, it has earned a following among credit card users by offering cards with low interest rates.

Iberia offers the Visa Select Card for those who want extremely competitive interest rates and a 0% introductory financing offer.

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Key Features

  • Introductory Financing Offer on Purchases. New cardholders with excellent credit will receive a 0% APR on purchases for one year, although less qualified applicants will only receive a purchase APR of 7.5%.

Iberia Bank Visa Classic Credit Card Review – Low Interest Rate

Jason Steele

iberia bank visa classicCredit card debt can be like a ball and chain that you must drag around wherever you go. One of the reasons that it is so onerous is that banks must charge a higher interest rate than they do for other products, and there is a higher cost of using credit cards. Furthermore, credit card debt is unsecured, which means that unlike your home or car loans, there is nothing to repossess in the event that the borrower defaults.

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Citi Simplicity® Visa Credit Card Review – 0% APR for 18 Months

Jason Steele

citi simplicity visa cardAmericans have a love-hate relationship with their credit cards. They enjoy the convenience and security of these products, but despise the fees, penalties, and profuse terms and conditions. Many people just want basic cards with few frills.

In fact, so many people want simple credit cards that President Obama actually pleaded with banks to offer what he called a “plain vanilla card.” Though it has a different name, Citi answered this plea, and now offers its Simplicity® Card for customers who want to trade rewards for a product with no late fees and no penalty interest rates.

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Visa Black Card Review – Requirements & Qualifications

Jason Steele

visa black cardBanks work to cultivate an image of luxury and exclusivity in their credit card products by naming them after precious substances like gold, platinum, sapphires, and diamonds. For example, over the years, gold cards have become commonplace.

In order to remain competitive and to continue to offer unique products, banks have increased the rewards and the fees for some of their high-end products to maintain that “elite” status. To those who value high-end benefits and exclusivity, Barclay’s Bank offers the Visa Black Card.

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Citi AT&T Universal Business Rewards Card Review

Jason Steele

citi att universal business rewards cardSmall business owners and sole proprietors need business credit cards to finance various purchases and to track expenses. In addition, business owners may want to use their cards to earn valuable rewards.

The Citi AT&T Universal Business Rewards Card offers reasonable interest rates and a solid rewards program that allows business owners to earn extra points for purchasing gas, office supplies, professional services, and purchases from AT&T while easily tracking business expenses.

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How to Find Cheap Flights and Get the Best Airline Ticket Deals

Jason Steele

airplane on keyboardFew industries utilize price structures as confusing as the airlines. When you purchase a ticket for a bus or train you’ll pay the same rate for almost any day of travel. Maybe you’ll face a slight surcharge for a last-minute trip. But when it comes to airfare, rates change daily, and usually without notice.

Many factors influence the cost of airline tickets, including when and where you book, and when and where you travel. Plus, you’ll still face a myriad of hidden travel fees for items and services like checking bags and changing your reservation.

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14 Best Small Business Credit Cards & Charge Cards

Jason Steele

business credit cardsWhether you own a business, work for yourself, or just charge expenses that your company reimburses, you should use a business credit or charge card.

You can use business credit cards to separate your personal expenses from those that you claim for your work. In addition, you can earn great rewards for using business credit and charge cards.

In this article, we’ll go over the main differences between credit cards and charge cards, and then list out of the best business cards currently available, along with their features and benefits.

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Chase Slate Credit Card Review – 0% APR for 15 Months With Blueprint

Jason Steele

While most people know that they should pay off their credit card debt at the end of every month (or not incur debt at all), according to a recent study by Oregon State University, the majority of Americans carry a balance on their cards.

If you’re one of them, the best way to get a handle on your debt is to avoid enticing reward credit cards and their higher interest rates, and focus on simple products with low-interest rates and fees. To that end, Chase offers the Slate card, which features an effective way to lower interest payments and manage your budget using the Blueprint system.

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Chase Freedom Credit Card Review – 5% Cash Back, $100 Bonus

Jason Steele

Like many credit cards, Chase Freedom gives you the opportunity to earn cash back on your purchases. While the standard rate for many cash back credit cards is 1% on all purchases, these cards are distinguished by their ability to earn even greater reward on some purchases.

The Chase Freedom, like some other cards, allows customers to earn 5% cash back on purchase from bonus categories that change each month. What makes the card really special is its eligibility for the Chase Blueprint program, which allows customers to reduce interest payments and manage their debt.

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Chase Ink Bold Business Charge Card Review – 50K Bonus Points

Jason Steele

Before there were credit cards, there was a product called a charge card. With this product, companies and individuals could charge purchases, but they were required to pay them in full by the due date. Later, credit cards gave customers the opportunity to carry a balance, but they would then owe interest on that amount.

Even with the option to carry a balance, however, many savvy cardholders continued to pay their credit card balances in full every month. For these types of customers, retailers and banks continue to offer charge cards which, like most other bills, are required to be paid in full by the due date.

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