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  • Capital One Sparks Attention with Cute Commercials – Does the Spark Business Card Measure Up?
    employee too they will be categorized on your statement so you know exactly who bought what when Zero Dollar Liability for Fraud If your card is compromised and someone makes fraudulent charges on it you won t be liable That gives you peace of mind especially when you have several cards out there in the hands of your employees You can rest easy knowing you ll be protected from false charges No Foreign Transaction Fees If you travel abroad frequently for your business it s essential to have a credit card that doesn t charge foreign transaction fees None of Capital One s cards carry foreign transaction fees which typically run 2 3 at other banks Get Down to Business Spark Classic With this card you ll earn one percent cash back on every purchase you make 1 cash back for the Spark Classic card is self explanatory no catch there Redeem your cash automatically by receiving a check each year on a specific date or you can request your cash back any time online or by phone The Spark Classic has a steep 23 24 Variable APR and no annual fee The card offers no limits and no expiration dates on rewards You can keep accruing cash back as for the life of the card without ever hitting a ceiling Capital One Spark Classic for Business Show Me the Money the Spark Cash cards The Spark Cash Select Card and the Spark Cash card both offer cash back rewards the Select offers 1 5 back on all purchases while the regular Spark Cash offers 2 cash back on all purchases Both offer additional cash bonuses as well with the Spark Cash Select giving a one time 200 bonus once you spend 3 000 in the first three months and the regular Spark Cash card giving a one time 500 bonus for spending 4 500 in the first three months you have the card The Spark Cash Select card has no annual fee and carries an APR of 13 24 21 24 Variable in addition to offering introductory 0 on purchases The Spark Cash card which offers greater rewards comes with a 0 intro for first year 59 after that annual fee and an APR of 17 24 Variable with no introductory period Again there is no expiration and no limit on rewards Capital One Spark Cash for Business Capital One Spark Cash Select for Business When Sparks Fly the Spark Miles cards When we talk about this type of miles cards remember that these are not miles that will actually count toward a frequent flyer program They are essentially still a cash bonus in the form of miles that you redeem for cash toward travel The Spark Miles gives two miles per dollar spent on any purchase and a one time 50 000 bonus miles for spending 4 500 in the first three months Annual fee is 0 intro for first year 59 after that and allows you to

    Original URL path: http://www.credit-land.com/research/reviews/capital-one/capital-one-sparks-attention-with-cute-commercials-does-the-spark-business-card-measure-up-1557.html (2016-04-25)
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  • Barclaycard Arrival Plus™ World Elite MasterCard® | Barclaycard
    revolving credit line and not requiring an initial deposit Issuing Country United States About this Credit Card Earn 40 000 bonus miles after you spend 3 000 on purchases in the first 90 days that s enough to redeem for a 400 travel statement credit Earn 2X miles on all purchases Get 5 miles back to use toward your next redemption every time you redeem Chip card technology so paying for your purchases is more secure at chip card terminals in the U S and abroad No foreign transaction fees on anything you buy while in another country 0 introductory APR for 12 months for each Balance Transfer made within 45 days of account opening After that a variable APR will apply currently 16 24 or 20 24 depending on your creditworthiness Complimentary online FICO Credit Score access for Barclaycard Arrival cardmembers Rewards Program Miles Rewards MILES REWARDS You will receive miles as a reward for making a purchase with your card Miles can be redeemed for airline tickets and other travel spendings cash back or other things specified in program Rewards Type Earn miles on purchases charged to the card Miles Max Rewards Per 1 The maximum amount of points miles or cash back you can earn per dollar spent Earn 2X miles on all purchases Earn 40 000 bonus miles after you spend 3 000 on purchases in the first 90 days that s enough to redeem for a 400 travel statement credit Earn 2X miles on all purchases Get 5 miles back to use toward your next redemption every time you redeem Show rewards program details Hide rewards program details Interest Rates Fees Everyday Purchases Introductory APR The interest charged on purchases for a short period of time introductory period n a Ongoing APR The interest rate charged on purchases when account is established or after introductory period is over 16 24 or 20 24 Variable Penalty APR The interest rate charged when you miss payments do not make payments at all or pay less than minimum See terms Minimum Grace Period The period of time during which you can pay off the card balance without paying the interest See terms Minimum Interest Charge The minimum amount charged by a lender if you are charged interest See terms More details Less details Balance Transfer Introductory APR The interest rate charged on transferred unpaid debt for a short period of time introductory period 0 12 months Ongoing APR The interest rate charged on transferred unpaid debt when account is established or after introductory period is over 16 24 or 20 24 Variable Balance Transfer Fee A fee which may be charged for transferring an outstanding balance to your new credit card 3 Minimum 5 Penalty APR The interest rate may be charged when you miss a payment exceed available credit limit or pay less than minimum See terms Minimum Grace Period The balance transfers do not usually have a grace interest free period See terms More details Less

    Original URL path: http://www.credit-land.com/details/barclaycard-arrival-world-mastercard.php (2016-04-25)
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  • Barclaycard Ring MasterCard® | Barclaycard
    for this credit card If your credit is less than the minimum required DO NOT APPLY for the card Bank Barclaycard Card Network MasterCard User Category Consumer These credit cards are for the average consumer who needs a credit card for personal use Card Type Unsecured Card Unsecured credit cards offer a revolving credit line and not requiring an initial deposit Issuing Country United States About this Credit Card No Balance Transfer Fees start saving immediately A low variable APR on balance transfers and purchases No Annual Fee Choose your card benefits and features Get rewarded through the new Giveback program where Barclaycard Ring members get money back for good performance Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online Learn more about personal finance from Barclaycard and other members Complimentary FICO Credit Scores as a benefit to active cardmembers Opt in to have instant and convenient access to FICO Scores from your Barclaycard online account Rewards Program Cash Back Rewards CASH BACK REWARDS You will receive a cash refund after making a qualifying purchase with your credit card Rewards Type Get cash back on purchases charged to the card Cash Back Max Rewards The maximum amount of points miles or cash back you can earn per dollar spent See terms Get rewarded through the new Giveback program where Barclaycard Ring members get money back for good performance Show rewards program details Hide rewards program details Interest Rates Fees Everyday Purchases Introductory APR The interest charged on purchases for a short period of time introductory period n a Ongoing APR The interest rate charged on purchases when account is established or after introductory period is over 8 25 Variable Penalty APR The interest rate charged when you miss payments do not make payments at all or pay less than minimum See terms Minimum Grace Period The period of time during which you can pay off the card balance without paying the interest See terms Minimum Interest Charge The minimum amount charged by a lender if you are charged interest See terms More details Less details Balance Transfer Introductory APR The interest rate charged on transferred unpaid debt for a short period of time introductory period n a Ongoing APR The interest rate charged on transferred unpaid debt when account is established or after introductory period is over 8 25 Variable Balance Transfer Fee A fee which may be charged for transferring an outstanding balance to your new credit card 0 Penalty APR The interest rate may be charged when you miss a payment exceed available credit limit or pay less than minimum See terms Minimum Grace Period The balance transfers do not usually have a grace interest free period See terms More details Less details Cash Advance Ongoing APR The non introductory interest rate charged for cash advances when account is established 8 25 Variable Cash Advance Fee A one time service charge on

    Original URL path: http://www.credit-land.com/details/barclaycard-ring-mastercard.php (2016-04-25)
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  • Credit Score Makeover: How to Get a High Score from the Credit ...
    ways to improve their credit rating and get closer to that coveted score of 850 or at least a healthy number in the 700 s The secret of getting your credit score as high as possible is understanding exactly what goes into a credit score and what elements you can influence by making the right moves For example when you know that making on time payments is the most important factor in your credit score you can focus on making sure you get your bills paid on time and not worry quite as much about having different types of credit which doesn t carry as much weight in the overall picture of your credit health The following infographic explains how to give your credit score a tune up whether your credit is already pretty good or needs a serious makeover What does debt to credit ratio mean and why do you need to know If you miss a payment how many points will it knock off your credit score What about a bankruptcy How much does your overall credit limit or the amount of time you ve had a credit card affect your credit score Read on and find out what s bringing your score down and how to pull it back up Also does your state have good credit Find out which states citizens are most in need of a credit tune up and who has excellent credit with a state by state color coded credit map To embed the Credit Score Makeover How to Get a High Score from the Credit Bureaus to your site use the following code Credit Score Makeover How to Get a High Score from the Credit Bureaus by Credit Land com Share it Tweet Add to Favorites Email you Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will never share your e mail address with any third parties You may unsubscribe at any moment by simply clicking the Unsubscribe link in any of CreditLand s newsletters Other Credit Scores Research 20 Credit Score Myths and 20 Facts You Need to Know Posted September 17 2012 Featured News AARP is Having a Shred Fest April 22 2016 Milwaukee Brewers Get a Credit Card April 21 2016 Americans Give EMV Technology a Thumbs Up April 20 2016 See more news Related Research 20 Credit Score Myths and 20 Facts You Need to Know By Michael Germanovsky Posted September 17 2012 You might think you know what helps and hurts your credit score but you could be falling for these twenty common credit score myths From believing that checking credit too often is always bad for your score to assuming that you and your Continue reading Common Credit Score Myths Are You Falling for Them By Michael Germanovsky Posted October 16 2012 Having a strong credit score is more important

    Original URL path: http://www.credit-land.com/research/infographics/credit-scores/credit-score-makeover-how-to-get-a-high-score-from-the-credit-bureaus-1582.html (2016-04-25)
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  • Stop Paying Interest on Debt with a Balance Transfer Credit Card in ...
    saving hundreds maybe even thousands of dollars in the process sounds great but how do you do it If you have a good credit score you probably get lots of offers for balance transfer credit cards how do you know which one to choose and what s the next step once you ve chosen Doing a balance transfer doesn t have to be tricky but there are some things you need to know first This infographic breaks the process into three easy steps first ask questions second make the transfer and third hold on to that low interest rate Read on to find out what questions you need to ask before accepting a balance transfer offer how to actually make the transfer and what to do once your new balance transfer card is active To embed the Stop Paying Interest on Debt with a Balance Transfer Credit Card in Three Steps to your site use the following code Stop Paying Interest on Debt with a Balance Transfer Credit Card in Three Steps by Credit Land com 0 APR on Balance Transfer Credit Cards Choose the best credit card from our partners for people with Excellent credit history that will help you save money on Balance Transfers Discover it 18 Month Balance Transfer Offer 0 Intro APR Period on Balance Transfers 18 months Ongoing APR on Balance Transfers See terms Balance Transfer Fee 3 Annual Fee 0 0 Intro APR on Balance Transfers YES Citi Diamond Preferred Card 0 Intro APR Period on Balance Transfers 21 months Ongoing APR on Balance Transfers 12 24 22 24 Variable Balance Transfer Fee 3 of each balance transfer 5 minimum Annual Fee 0 0 Intro APR on Balance Transfers YES Barclaycard Arrival Plus World Elite MasterCard 0 Intro APR Period on Balance Transfers 12 months Ongoing APR on Balance Transfers 16 24 or 20 24 Variable Balance Transfer Fee 3 Minimum 5 Annual Fee 89 waived first year 0 Intro APR on Balance Transfers YES Barclaycard CashForward World MasterCard 0 Intro APR Period on Balance Transfers 12 months Ongoing APR on Balance Transfers 15 24 19 24 or 23 24 Variable Balance Transfer Fee 3 Minimum 5 Annual Fee 0 0 Intro APR on Balance Transfers YES See the Citi card terms and conditions online Share it Tweet Add to Favorites Email you Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will never share your e mail address with any third parties You may unsubscribe at any moment by simply clicking the Unsubscribe link in any of CreditLand s newsletters Other Balance Transfer Cards Research Balance Transfers Made Simple Posted October 09 2012 The Advantages of Balance Transfer Credit Cards Posted March 30 2012 Fruitful information about balance transfers Posted March 25 2012 Checklist to decide whether you should go for the balance transfer card Posted March 10

    Original URL path: http://www.credit-land.com/research/infographics/balance-transfer/stop-paying-interest-on-debt-with-a-balance-transfer-credit-card-in-three-steps-1615.html (2016-04-25)
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  • Credit Card Questions - Credit-Land.com
    rejected Please advise See more FAQs Other User Questions I got an invitation in the mail to apply for Sun Country Visa credit card but not sure if I qualify Also I wanted to know I need a credit card that will allow me redeem miles with Emirates Can you recommend such card What are the advantages of having a store credit card I wanted to apply for Sun Country credit card because MSP is my home airport and I often fly with Sun Country but my My interest is in the Care Credit card to pay for dental procedures How good is this card compared to other credit cards Will I build credit with a store credit card I have flown Sun Country many times and like their frequent flyer program However they don t approve me for their VISA See more User Questions Get a FREE professional consultation by email Your Name Your Email Invalid Email address Ask your questions to Leo Extra questions to describe your situation in more details 1 Your Credit History Choose your credit Excellent Credit Good Credit Fair Credit Bad Credit No Credit Don t know 2 Do you have checking account Choose an option Yes No 3 How long have you had a loan or credit card Choose an option Never Less than 3 years ago More than 3 years ago 4 Have you ever been declared bankrupt or defaulted on a loan Choose an option Never Once More than once 5 Have you been late on any credit card or loan in the last year Choose an option No Less than 60 days More than 60 days More than 90 days marked fields are required to be filled By submitting your question you agree to the following Here at Credit Land com we will answer all questions to the best of our knowledge and understanding but we are not legally accredited professionals We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases Please seek appropriate professional or legal advice when needed Questions submitted to Credit Land com may be posted to our website with your first name and may be edited for length and clarity Please do not submit your Social Security number credit or debit card number or bank account number to us though we will never share your name or email with anyone sensitive information should never be posted to an FAQ form We are not a bank or a credit card issuer and we do not have access to your account information Captcha verification Enter symbols from picture Please tick that you agree with our policy Follow Credit Land com on Facebook Twitter and Google to keep up with the latest expert advice Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will

    Original URL path: http://www.credit-land.com/faqs/ (2016-04-25)
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  • Credit Card Questions | Ask an Expert - Credit-Land.com
    editor of CreditLand Ask any question you are interested in and our expert will answer you in short time Be sure will provide you with timely and updated information Any question you ask will be answered Get a FREE professional consultation by email Your Name Your Email Invalid Email address Ask your questions to Leo Extra questions to describe your situation in more details 1 Your Credit History Choose your credit Excellent Credit Good Credit Fair Credit Bad Credit No Credit Don t know 2 Do you have checking account Choose an option Yes No 3 How long have you had a loan or credit card Choose an option Never Less than 3 years ago More than 3 years ago 4 Have you ever been declared bankrupt or defaulted on a loan Choose an option Never Once More than once 5 Have you been late on any credit card or loan in the last year Choose an option No Less than 60 days More than 60 days More than 90 days marked fields are required to be filled By submitting your question you agree to the following Here at Credit Land com we will answer all questions to the best of our knowledge and understanding but we are not legally accredited professionals We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases Please seek appropriate professional or legal advice when needed Questions submitted to Credit Land com may be posted to our website with your first name and may be edited for length and clarity Please do not submit your Social Security number credit or debit card number or bank account number to us though we will never share your name or email with anyone sensitive information should never be posted to an FAQ form We are not a bank or a credit card issuer and we do not have access to your account information Captcha verification Enter symbols from picture Please tick that you agree with our policy Follow Credit Land com on Facebook Twitter and Google to keep up with the latest expert advice LIKE US to join the CreditLand facebook community Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will never share your e mail address with any third parties You may unsubscribe at any moment by simply clicking the Unsubscribe link in any of CreditLand s newsletters Search Questions by Enter Search Query Find Trending Tags 0 APR Air Miles American Express APR Bad Credit Balance Transfers Bankruptcy Build Credit History Business Capital One Cash Back Cash Back Rewards Credit Bureaus Credit Card Application Credit Card Issuers Credit Cards Credit History Credit Limit Credit Score Discover Excellent Credit Fair Credit Fees Gasoline Gas Station Good Credit Interest Rates Limited Credit Loans MasterCard No Annual Fee No Credit Points Prepaid Cards

    Original URL path: http://www.credit-land.com/faqs/ask (2016-04-25)
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  • What are the advantages of having a store credit card?
    by Leo Zhu at March 12 2016 Share it Tweet Add to Favorites Email you Tags Rewards Shopping Store Credit Cards When you shop a lot at one particular retailer it may be worth having a credit card offered by that retailer The reason is simple you can improve your credit score and save a lot on your purchases because store cards give access to discounts special offers and sometimes rewards More than that some store credit cards may be more rewarding than regular credit cards offered by major banks However when you have a store credit card you should be aware of possible risks of being a cardholder First of all store credit cards usually come with high interest rates and if you do not pay the card balance in full you may accrue an unpayable debt Next is rewards Rewards can be a blessing and a curse And if you know you can easily be succumbed to sales discount deals and promotional offers we would recommend you to stay away from store credit cards As you can see store credit cards can be good deals but only when used wisely Related FAQs I am new to the world of credit and I have never had a credit card before I was interested in beginning to establish my credit profile but the thing is I m not sure about what card I should apply for I frequently shop at Tire Kingdom and I was wondering if this card would be a good card for me to start with Do you think so Hi I m searching for a major credit card for car rental use and for gas but my score is very low Could you give good advice What is the difference between business and personal credit rating Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will never share your e mail address with any third parties You may unsubscribe at any moment by simply clicking the Unsubscribe link in any of CreditLand s newsletters BEST REWARDS CREDIT CARDS from our partners Citi Double Cash Card Earn cash back twice on every purchase with unlimited 1 cash back when you buy plus an additional 1 as you pay for those purchases For Excellent Good Credit Barclaycard Rewards MasterCard 2X points on gas utility and grocery store excluding Target and Walmart purchases 1x points on all other purchases For Fair Credit Credit One Visa No Deposit Required Earn 1 cash back on gas and grocery purchases Terms apply For Fair Credit Other Questions in Cash Back Rewards Do you think it s worth having a shopping credit card when I often shop at one retailer Posted January 16 2016 I used to have Skymiles credit card and was a loyal member but after their bonus program change I closed the card and moved

    Original URL path: http://www.credit-land.com/faqs/what-are-the-advantages-of-having-a-store-credit-card-3288.html (2016-04-25)
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