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Top innovative ways to use credit cards

Maximizing your points is just a matter of paying attention and making the right choices. Do you pay for everything possible with your credit card, including your nanny and your yard guy? Do you look for opportunities to double and triple your points? It is free money,

These are some of the best awesome tips of handing credit cards.

Signing up

Many credit card gurus have found that signing up for four to six credit cards a year, and then canceling them once the rewards have been issued, has had only a small impact on their credit scores. Of course, it is probably not a good idea to do that if you know you’re going to refinance or apply for a big loan like a mortgage soon.

Lending money

You can use your credit card to loan money to a screened applicant from one of 60 countries. The borrower pays you back over time, and it claims a low 1 percent default rate. You get the points, and you know you are doing something worthwhile.

Transfering money

You can also use your card to pay friends back by using a payment service such as Amazon Payments, PayPal or Venmo. Some rewards buffs report in travel forums that they take that to the next level, using payment services to regularly pay a family member large amounts.

Spending segregation

Some cards give you extra points for gas; others give you a bonus when you use them for groceries or travel. Make sure you are making a conscious choice about which card to use where. At restaurants, use one that pays extra points for dining out, at gas stations, use the one that gives you back more for gas, and so on.

Best reasons for introducing kids to credit cards

The credit cards offer flexibility, valuable rewards and better security than cash. But they can also get unwary users into a lot of trouble. So when it comes time to give your kids access to a credit card, it is important that you teach them how to use it responsibly. This can help them understand both the benefits and the dangers.

Given is the list of the top points for handing over credit cards to children.

Giving training

The best way to prepare kids for things is to start to instill good habits when they are young. That includes credit cards. Helping children learn to budget, manage credit and keep their spending within their means can give them the financial literacy skills they need to become independent money managers.

Building credit

The children will eventually need to qualify for credit cards on their own. Adding them as authorized users on one of your credit card accounts can help them build a credit history while they are still in their teens, which can ease the way when it is time for them to apply for their own cards.

Emergency preperation

The card also came in handy again when there is any kind of emergency situation. The parents of children have their own credit cards but in adversities like the cards being lost or stolen, the cards of the children can be used for the transactions.

Checking spending

Credit card transactions are easier to track than cash, both for the parent and for the young shopper. Morrison recommends teaching kids to use the online tools offered by the credit card issuer, so they can see how their spending fits into different categories.

Top credit cards to use for seniors

Using a rewards credit card can be a smart way to earn free travel or cash back from purchases you’re already making. However, not all cards are created equal, and seniors may find that some programs are difficult to navigate and redeem for rewards.

For seniors who like to travel, Barclaycard Arrival Plus gets high marks from all three experts for being both lucrative and easy to understand. Cardholders can earn double miles on every purchase made and then redeem those miles for a statement credit toward their travel expenses.

The Arrival Plus card also offers 40,000 bonus miles to new cardholders who spend $3,000 in the first 90 days after receiving their card. Those bonus miles offer the equivalent of a $400 statement credit. However, the credit can only be applied toward travel expenses, which means this card is best for those who travel regularly.

The Capital One Venture card is almost identical to the Arrival Plus card. It lets cardholders redeem miles for travel statement credits, and it also offers 40,000 bonus miles worth $400 to new cardholders who spend $3,000 in purchases during the first three months.

However, the Arrival Plus has a slight advantage in that it offers a 10 percent rebate on all travel redemptions. For example, if you redeem 40,000 miles, the card puts 4,000 miles back in your account for future use. On the other hand, the Venture card has a lower annual fee of $59, also waived in the first year, which could appeal to some seniors.

Seniors who already belong to frequent flyer and hotel loyalty programs may be inclined to look for cards affiliated with these programs. However, travel experts say it’s better to look for a card that will let you transfer points and miles to a number of partner programs. These cards give seniors the flexibility to earn points for multiple loyalty programs without having to juggle multiple cards.

Among these cards, Chase Sapphire Preferred gets high marks. Cardholders earn Ultimate Rewards points that can be either redeemed through Chase or transferred at a 1:1 ratio to other travel programs, including United MileagePlus, Hyatt Gold Passport, Marriott Rewards and Amtrak Guest Rewards.

Rewards credit cards can be a great way to earn money or free travel from everyday spending, but carrying a balance and paying interest negates those benefits. Seniors on a fixed income should carefully monitor their spending to ensure they aren’t charging more than they can comfortably repay each month.

Best credit cards for shoppers to have

From presents for the kids to special food for family get-togethers, holiday traditions have the potential to put a significant dent in your wallet. However, you can take the sting out of that spending by earning rewards for every purchase. Rewards credit cards come in many flavors, with some offering cash back and others providing miles or points that can be redeemed for travel, gift cards or merchandise.

Given is the list of the top credit cards for shoppers to use while shopping.

Citibank Rewards Card

The card owner gets 10X Rewards (or 4 Miles) for every S$1 spent on shoes, bags, clothes or departmental stores or online shopping websites. You get up to 10% rebate at over 700 merchant outlets including Burger King, Cold Storage, Shell and Starbucks and also get up to 30% off Online Shopping at Luxola, Blue Nile and more.

Standard Chartered SingPost Platinum Visa Credit Card

By availing this card, you get upto $120 worth of vPost vouchers and enjoy 7% CashBack on eligible online spending (min. $600 spend per month) and also have 10% off Speedpost Priority Service package, 5% off SMARTPAC with minimum order of three pieces. For Omigo, you have $20 off with minimum spend of $80 for new customers and 15% off subsequent purchases.

American Express Platinum Credit Card

This card holder receives 10X Membership points at over 300 Platinum Partner outlets including G2000, Topshop and Harvey Norman along with 90-days return guarantee, return almost any purchase made in Singapore for a refund up to S$800 per item and also redeem vouchers with points at various shops including Dorothy Perkins, TOPSHOP, Ben Sherman, Robinsons, Isetan, OG, Courts and many more.

OCBC Robinsons Group Credit Card

With this credit card, you get 10% cash rebate with purchases above $5,000 at Robinsons, Marks & Spencer and John Little along with 5% cash rebate for purchases below $5,000 at participating 19 retail brands including Robinsons, Marks & Spencer, John Little, Royal Sporting House, Golfhouse, Lacoste, Nautical, Speedo, Vans and Quiksilver.

Top business credit cards to have

The credit card has hugely evolved through the years. There are some credit cards that have business-specfic and are ideal for business persons. Big entrepreneurs to small businesses with few employees, sole proprietors, and independent contractors can all use business credit cards to manage cash flow and earn rewards on their spending.

These are some of the best business credit cards to use.

Ink Cash Business Credit Card

This card has the same bonus rewards categories but caps rewards at $25,000 spent in each bonus category annually instead of $50,000. Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. The card owner can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year with 0% introductory APR for 12 months on purchases and balance transfers.

American Express SimplyCash Business Card

By using this card, you can get 5% cash back at U.S. office supply stores and on wireless phone services purchased directly from US service providers. The interesting twist to SimplyCash® is that AMEX lets you pick one additional category to earn 3% back in. This adds some flexibility for you because you can analyze your spending and select the best category to max out.

Ink Plus Business Credit Card

This business card has no foreign transaction fees, the ability to earn 5 points per dollar at office supply stores. The card owner also earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards with chip-enabled for enhanced security at home and abroad when used at a chip card reader.

American Express OPEN Starwood Preferred Guest Business Credit Card

The Starwood Preferred Guest Business Credit Card from American Express OPEN might be the perfect card for your wallet. By signing up and earning points in the Starwood Preferred Guest program, you can earn free nights at any of the programs 1,200 properties in nearly 100 countries and you can use your points to book flights directly on 150 airlines with no blackout dates through SPG flights.

Best credit cards to make credit

Applying for a secured card is a simple way to begin building your credit history. Secured cards are a way to prove to a lender you can be responsible without a lender having to take much risk. When you open a secured card, you put down a deposit and the lender gives you a line of credit. Typically, your line of credit matches the amount of your deposit. But just like credit cards, not all secured cards are created equal.

Given is the list of the top credit cards needed to build credit for yourself.

State Department Federal Credit Union

You are eligible to join the SDFCU if you are an employee of the Department of State or one of the extensive organizations with ties to the credit union. If you don’t work for the Department of State, you may also be eligible through the American Consumer Council. You can join the ACC for only $5 if you have used any major consumer product or service within the past 12 months and you probably have.

Visa Classic Secured Credit Card

One of the eligible associations for membership is the National Sheriff’s Association. It costs $38 to join the NSA as an auxiliary member or student. By joining the NSA first, anyone can then become a member of the Justice Federal Credit Union. This brings the cost of membership to $43. It provides financial services to employees of Justice, Homeland Security and the Law Enforcement Community, as well as their family members.

Digital Federal Credit Union

You must be a member of DCU in order to apply for the secured card. You can be eligible to join DCU if a relative is already member, if your employer offers membership or your community is included within field of membership. If none of these apply, you can join an organization with member privileges. Joining these organizations range in membership cost from $25 to $120. Once you join DCU, you have a lifelong membership, so you could cancel a membership with the other organization after joining.

Capital One secured card

If you currently cannot afford the $110 – $500 deposit, consider the Capital One  secured card with a $49 minimum deposit for a $200 line of credit. Capital One used to have an annual fee of $29, but now provides no annual fee. However, this deposit is based on what Capital One deems as creditworthy. It is possible it will ask for a deposit of $99 or $200.

Top credit cards giving Valentine’s Day perks

If you are still looking for the perfect Valentine’s Day present for your sweetheart, look no further than your credit card perks to express your love. But if you are wondering if using perks will diminish the gift in your other half’s eyes, you don’t have to worry. According to the Discover 2013 Valentine’s Day survey, the majority of shoppers don’t feel the amount they spend on a gift is a reflection of how they feel about their partner.

Here are four credit card perks you can use to give your loved one a Valentine’s Day to remember:

American Express rewards cards

Short on time and rewards points? American Express Rewards program (American Express is a CardRatings.com advertiser) is making it easy to quickly find the right gift while saving points with a Valentine’s Day Gift Guide of carefully selected presents. Rewards range from a coveted iPad mini and Jimmy Choo shoes to more traditional gifts including Godiva Chocolates, long-stem red roses and diamond necklaces. But the best part is all of the gifts in the guide are available for a significantly reduced number of points.

Citi Diamond Preferred Card

Sometimes the perfect gift is something that money can’t buy. The Citi Diamond Preferred card can help you make Feb. 14 one that neither you nor your honey will ever forget with once-in-a-lifetime experiences such as Broadway Fantasy Camp and cooking lessons from Jacques Torres Chocolate in New York. Since the experience will most likely be scheduled for a later date, make a handmade certificate and wrap it in a fancy box to give you Valentine something to open on the holiday. The Citi Diamond Preferred Card also has a concierge desk to take care of all the details so you have more time to devote to picking out the perfect Valentine’s Day card or even better, handwriting a love letter.

Chase Sapphire and Ink Card

There is something special about getting flowers on Valentine’s Day and select Chase credit cards can help you while also earning you cash back or extra rewards points. You can earn up to 16 points extra per dollar spent on floral bouquets from FTD.com when paying with your Ink or Sapphire Card. All purchases must be made through the Chase Ultimate Rewards site to get the perks.

Discover it Card

Are you planning on celebrating Valentine’s Day with a romantic dinner? Or perhaps you were thinking of taking her to movie to celebrate. If so, check out the new Discover it® Card. Between now and March, all purchases at restaurants and movies will earn you 5 percent cash back instead of the usual 1 percent. And if you want to make sure that you get the most rewards for your purchases throughout the year so you can splurge even more on next Valentine’s Day, be sure to use the card’s Cashback Concierge who helps you earn the most rewards possible.

Best credit cards with fair credit

For the people, you have fair or average credit, you can still get great credit card rewards and perks. Along with getting information about your FICO range through credit card, you will get many advantages of availing a credit card among many options in the market, if you have fair amount of credit.

Given is the list of the top credit cards to own with fair credit.

Capital One QuicksilverOne Cash Rewards Credit Card

With Capital One QuicksilverOne Cash Rewards Credit Card, you get great ongoing rewards rate; no need to keep track of bonus categories. You also get access to Capital One’s Credit Tracker to help you monitor your credit score and simulate how certain decisions will affect it and you have decent 0% APR period on purchases and balance transfers, and no balance transfer fee.

Chase Slate Credit Card

The Chase Slate Credit Card offers a combination of a long introductory 0% APR and an introductory $0 balance transfer fee, making it perfect for people who want to consolidate high-interest credit card debt. It also gives you access to your FICO score to help you know where you stand with your credit.

Credit One Bank Platinum Visa

With the Credit One Bank Platinum Visa along with 1% Cash back. This credit card gives zero fraud liability protects you from unauthorized charges. The rewards are post to your account automatically each month and free online monthly credit score tracking included along with email or text alerts to remind you when your payment is due.

Fingerhut Credit Account

By the Fingerhut credit you can shop over 275,000 items. New customer promotion with Fingerhut credit card. This Fingerhut Credit Account will increase your buying power and you can be easily qualified for the Fingerhut credit card and enjoy the perks of buying many items.

Top credit cards for poor credit

With poor credit, your options for credit cards are somewhat limited. Most companies would not provide a credit line without a deposit and virtually all credit cards are going to charge monthly fees. However, if used responsibly, these cards may be the best way to start establishing or rebuilding your credit.

These are some of the best credit cards for people having poor credit.

Capital One Secured MasterCard

This card has no annual fee, and all the credit building benefits with responsible card use. Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus. Your minimum security deposit gets you a $200 credit line and you may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required.

OpenSky Secured Credit Visa Card

In OpenSky Secured Credit Visa Card, you can choose your credit line as low as $200 up to $3000, secured by a fully-refundable security deposit. Security deposit needs to be submitted before the credit card can be issued and No credit check necessary and no checking account required; apply in less than 5 minutes.

Luma Credit Card

By managing your Luma card sensibly, make payments on time and stay within your credit limit and you could improve your credit rating in time. You could get a Luma credit card even if you are new to credit, have CCJs or other issues with your credit rating and you can access your account anywhere, anytime.

TotalVISA Unsecured Credit Card

The TotalVISA Unsecured Credit Card has a fast and easy application process and considers those with a bad credit rating. If you are looking to get started at building or re-building your credit this card may be a fit for you. You can have manageable monthly payments and your history will be reported monthly to all three of the major credit bureaus.

Best tips for credit card replacement

The loss of a credit card while traveling, whether halfway across the world or just a few hours’ drive away from home can be an emergency of disastrous proportions. The good news is that if you prepare in advance and take a few precautions while you are on the road, the damage will likely be minimal to both your travels and your finances.

Given is the list of the top ways of credit card replacement to go for.

No delay

As soon as you realize your card is stolen or lost and you need a replacement, call your bank’s emergency contact number. In most cases, you can go to the bank’s website and type in stolen card. There, you will find a link to a page with the emergency toll-free number. If that fails, check the website’s Contact us page for another customer service phone number. Once you report the card missing, the bank will immediately cancel the card and block further charges.

Overseas issue

If you are overseas, some credit card companies have online directories where you can look up the number to call when you’re traveling in a particular country. Or you can check the chart below for the number where you can call collect to report a stolen card and arrange for a replacement.

Cash advances

On an average, it takes five to seven business days for a replacement card to arrive from the date you make the request. If you have other cards or other ways to access funds, you may be able to wait it out. But if you cannot, many banks offer emergency cash advances via wire transfer to tide you over until the new card arrives, as long as the card is not maxed out.

No expectations
Some of your preparation begins before you leave home. You cannot totally prevent a card from being stolen, but you can design a backup plan to make the replacement process as painless as possible. Do always remember that your card does not have to be stolen for you to request a replacement card.

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