Amex Reloadable Cards

Exclusive Perks:

The most fascinating thing about this program is the Tuesdays IN: CHICAGO program where the card can be used at participating select retailers, spas, and health clubs on Tuesdays to avail of a 10% discount on the purchases. Also it allows holders priority access to some of Chicago’s most happening clubsArticle Submission, and concerts and VIP rooms. It also helps to save on memberships at museums and tickets to clubs and concerts.Those who are capable of paying in full each month after the introductory rate expires and frequently stay in Chicago will benefit hugely from using IN: CHICAGO Card American Express and accumulate great many reward points.

Credit card offers can be confusing when every card issuers seems to claim their card is best. The truth is that there is no one best credit card on the market, the right card for you will in fact depend on the way you will use the card. To find the best credit card offer you should find our what type of user you are and understand the key features to compare.Competition has pushed the credit card market swamping evey mailbox with offers of all kinds. Their goal: encourage you to avail of these 'special' offers. So which one should you choose?These are some key features to consider in your credit card comparisons. Keep them in mind when going through various credit card offers.

Interest rate: 

This is the most important feature to consider. A credit card offers several interest rates, including: an introductory rate, usually of limited duration for a specified number of months; a standard purchase rate that will prevail after the special introductory period; and a cash advance rate, usually the highest.The credit card offers on introductory rate will look similar, usually varying around 0-2%. The key aspect to consider is the length of the offer. This can range anywhere from 3 months in some cards to 12 months. The cards that offer the lowest possible introductory rate running for the longest period will be the most attractive.

The normal interest rate is crucial to your future costs. You want this to be competitive. The key consideration here is whether it is fixed or variable. Variable rates change periodically, which may not be favourable to you in times of unstable or rising interest rates. Fixed rates will stay with your for a longer period, in some cases for the credit card's entire life. A downward trending interest rate may be a disadvantage but you could renegotiate this with the card issuer. Generally, the best credit card offers involve a fixed rate.

Fees and charges: 

The trickiest decision here involves annual fees. Zero annual fees are being offered by some credit cards but the interest rates could be higher. Other cards impose an annual fee, ranging from lows of $30 to highs of $80 or more, but in exchange offer lower interest or enrol you in generous reward schemes.

Is the annual fee worthwhile? Compare a card that charges an annual fee against similar ones without annual fees, and evaluate the benefits it offers vis-à-vis the others. You may find it worthwhile to pay an annual fee if the credit card offers significantly lower interest (vital to you if you plan to carry a balance) or an exceptional rewards scheme you want to join (advantageous to you if you always pay off the entire balance).Remember, though, that you maximise the benefits of rewards schemes if you use your credit card frequently. Annual spending of around $20,000 may be necessary; at 1 point per $1, that would give you 20,000 points which can be redeemed for something of value.

Other fees and charges could include over-the-limit fees, late payment charges, etc. Breaching of your credit limit as well as other terms can cause these to happen. You don't plan on doing that in order to avoid unnecessary costs. Benefits and protections: Each credit card offers a package of protection and benefits, but the scope differs widely. Examine them and see which ones might be of advantage to you. Protection against theft, loss or damage, fraudulent use, purchase charge-backs and extended warranties can be very useful. Frequent travel may look favourably on credit card offers of free travel insurance and related cover for lost/delayed luggage, car rentalsFeature Articles, and others.It is always the one that best provides what you need that is the best credit card for you.

We are always being bombarded by credit card offers through direct mail, TV and press advertising. So how do you know which card is really best for you when they all claim to be good. They can't all be right can they? The fact is that the right card for you is going to come down to how you use your card. Find out what you need to look out for and compare when applying for your next credit card.Credit cards have been an important part of modern living. The option of getting a credit card means taking on some debt leading to the importance of doing a credit card comparison. This makes sure that what you get matches your lifestyle.

When you do your comparisons, there are key features you need to examine. Here are some of them.Introductory interest rate. This is usually found on cards encouraging you to transfer balances from your existing cards. This rate is applicable only to the transferred amount and not to new transactions. This comes in handy especially when you have significant balances at higher interest on one card and you want to pay it off at a lower interest cost. Check also the duration of the introductory period. Depending on your needs, a 2.2% introductory rate for 12 months may be more suitable than a 1.99% rate for 6 months.

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