reviews

Delta Reserve Credit Card from American Express – Review

delta skymiles reserve card american expressDelta SkyMiles credit cards range from Gold, the most basic tier with the lowest annual fee, through Platinum, which offers more flight benefits for a higher yearly fee, all the way up to the Delta Reserve Credit Card from American Express (a Money Crashers partner). This final incarnation is considered to be the most elite of all the Amex cards carrying the Delta brand – it features the most card and flight benefits in exchange for the highest annual fee.

If you’re in the market for a credit card that awards SkyMiles, helps you earn elite statuses, and provides flight benefits and extra perks, you may want to consider the Delta Reserve.

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TrueEarnings® Business Card from Costco and American Express – Review

american express costco trueearnings business cardThere are plenty of business credit cards out there that reward office supply purchases and business-related purchases, but those that reward grocery store purchases are rare – and they usually exclude superstores and warehouse clubs, such as Costco and Sam’s Club. The TrueEarnings® Business Card from Costco and American Express (a Money Crashers partner) attempts to fill that gap and provide small business owners with an opportunity to earn rewards on both gas purchases and purchases made from Costco.

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The Plum Card® from American Express OPEN – Review

The Plum Card® from American Express OPEN (a Money Crashers partner) is a business charge card that offers rewards for making payments early, rather than rewarding specific spending habits. Take a look at the overall features and benefits of The Plum Card to determine whether it’s suitable for your business’s needs, or whether a more traditional credit card is best.

One key difference to keep in mind when comparing charge cards and credit cards, is that while both offer flexible spending options, a charge card requires you to pay the balance in full each month.

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Blue Sky Preferred® Card from American Express – Credit Card Review

american express blue sky preferred cardThe American Express Blue Sky cards are favorites chosen by travelers who want to earn rewards on travel purchases without committing to a specific airline or travel brand. Plus, the card offers the convenience of redeeming rewards as statement credits against a range of travel purchases.

The Blue Sky Preferred® Card from American Express (a Money Crashers partner) is different from its partner – the standard Blue Sky card – in that it offers more rewards on purchases in exchange for an annual fee.

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  • Sign-up Bonus. There is currently no sign-up bonus for this card.

Blue Sky from American Express® – Credit Card Review

american express blue sky cardMany travel rewards credit cards are specific to a certain airline or hotel, which may limit your use of the card and the rewards that you receive. The Blue Sky from American Express® (a Money Crashers partner) is one of the few credit cards that provides rewards for generalized travel purchases, including hotels and airfare with virtually every provider. However, whether this is a better option than more targeted travel cards is likely to hinge on how often you travel and how much you value flexibility.

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GE Capital Bank Review – Online Banking for Savings & CD Accounts

ge capital bankFrom Ally Bank to Capital One 360, online banks have made FDIC-insured banking more accessible to regular consumers and business owners. Offering savings accounts and CDs – but not offering loans – GE Capital Bank is one such online bank. It’s worth noting that GE Capital Bank is distinct from GE Capital Retail Bank, which offers its own suite of products, including loans.

GE Capital Bank, which is headquartered in the Salt Lake City area, provides FDIC insurance – up to a maximum of $250,000 per individual – on its clients’ deposit accounts. It lacks physical bank branches, but enables its customers to bank online or over the phone.

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SoFi Review – Refinance Your Student Loans Peer-to-Peer

sofi logoEven college graduates who find great jobs can struggle with debt for years after leaving school, especially if they have expensive private student loans. And, for borrowers who can’t make ends meet, it’s nearly impossible to discharge student debts in bankruptcy. The result is an unending cascade, possibly decades long, of financial repercussions.

Social Finance, Inc., known as SoFi, looks to change this glum reality. Using peer-to-peer lending between members of the public and qualified student borrowers, it provides student loan refinancing for graduates of more than 2,000 U.S universities. Recently, SoFi has also delved into peer-to-peer personal loans, mortgages, and primary student loan markets.

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FreshBooks Review – Online Invoicing Software for Painless Billing

freshbooks logoIf you work as a freelancer or run your own small business, you probably can’t afford a full-time accountant – but you also can’t trust your finances to manage themselves. Fortunately, there’s an app for that. With about five million global users, FreshBooks is one of the most popular cloud-based accounting programs available. It provides intuitive, non-technical tools to help with invoicing, expense tracking, timekeeping, and basic project management.

FreshBooks has many competitors in the crowded online accounting space, including Kashoo, Zoho Books, Xero, and Wave. With versatile payment options and automated accounting functions, unlike some of its cheaper competitors, it’s especially useful for busy entrepreneurs who can’t afford to devote time to manual accounting activities.

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Ally Bank Review – Online Bank With No Minimum Balance Required

ally bank logoOnline banks are powerful personal finance tools that offer convenient access to funds – but, not all are created equal. As one of the first online-only institutions, Ally Bank has developed a reputation for responsive customer service, high interest rates on checking and savings accounts, and reasonable fees. Like many online banks, it has no physical branches, but it is an FDIC member, which means its customers’ deposits are insured up to $250,000.

Since its spinoff from GMAC in 2009, Salt Lake City-based Ally has accumulated nearly a million customers. With $54 billion in total deposits, it’s currently the 29th largest U.S. bank.

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Citi® Diamond Preferred® Card Review – 0% APR for 18 Months

citi diamond preferred cardThe Citi® Diamond Preferred® Card does not offer rewards in the way of cash back or miles, but instead provides the longest 0% introductory APR available. Non-rewards credit cards such as this one provide benefits in the way of savings and elimination of debt rather than cash back or points, and depending on your own financial situation, they may be a better deal.

By transferring existing balances to the Citi Diamond Preferred card with a 0% promotional balance transfer offer, you can gain an additional 18 months to pay off your debt without incurring additional interest charges.

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