Business Cards with Premium Benefits

December 1, 2014 By

Customers of Scotiabank enjoy a selection of products such as ESPs, RSPs, savings accounts, credit cards, and mortgage loans. Premium and standard cards feature affordable fees and special discounts.

The Bank of Nova Scotia offers rewards, travel platinum, travel, and other cards with extra rewards and discounts on hotel bookings and VIP passes. Clients are offered vacation and cruise privileges and travel promos. The bank partners with manufacturers and merchants and offers points toward recreation, electronics, and home accessories. Scotiabank offers a rewards program that features cash back, travel benefits, and rewards points redeemable for digital cameras, watchwatches, binoculars, tablets, and other electronics. An activity and sleep tracker, for instance, requires 16,700 rewards points. There are plenty of recreational items and electronics to choose from, from wireless keyboards to Bluetooth speakers. Rewards also include investment and credit dollars, precious metals, gold bars, and a lot more.

Scotiabank offers different premium cards with discounts on vacation and cruise packages. Many cards go with premium features such as personalized welcome amenities and early check-in. Customers enjoy exclusive access to experiential tours, seating at high-end restaurants, and winery tours. Specialty cards feature VIP lounge access, including internet and email space and refreshments.

The bank also offers the option to register, choose from hundreds of rewards options, and check your points balance. Some products feature low fees of $15 – $30 for supplementary cards . There is an option to transfer existing retail and gas card balances. Clients are also offered 4 percent cash back on certain categories such as groceries.

Business customers provide information such as average account balances, depreciation expenses, and annual net profits. The Bank of Nova Scotia features premium business cards that earn cash back on insurance, internet, and other payments. Business cards feature added benefits such as flexible repayment schedules, personalized checks, and attractive discounts at participating merchants. Retailers offer discounts of 3 to 25 percent, and it is free to enroll. Clients are also offered complimentary travelers checks and rental car discounts. Consolidating card payments helps save on service charges.

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Filed Under: Credit Tagged With:

A Selection of Credit Cards

October 1, 2014 By

Customers are offered plenty of choice, from commercial mortgages and business loans to specialized banking, accounts, and credit cards. Clients are offered cards with premium features, annual rebates, and generous savings. The Bank of Montreal features rewards points that can be used toward electronics, accessories, fashion and clothing, and more. Clients with rewards credit cards choose from merchandise in multiple categories, including kitchen, wellness and health, toys, and others. Points can be redeemed toward live events, award winners, and experiences, including kayaking, spa, and others. The bank offers different business cards, including BMO World Elite, which features flexible travel and non-travel redemption schemes, donations, and high-end merchandise.  Customers with a minimum household and individual income of $120,000 and $70,000, respectively, meet the criteria. This is a premium travel card that features welcome points and unlimited rewards, with no seat or other restrictions. Other business credit cards include the BMO credit card and the BMO Premium CashBack MasterCard.

Options for Individual Applicants

BMO offers a variety of consumer cards for clients with different credit profiles, from poor to stellar. Some cards are ideal for high spenders while others are offered to customers who need an U.S. dollar card. Customers are offered prepaid cards by MasterCard, featuring low annual fees and travel benefits. Other fees apply, however, including fees on cash-like transactions such as lottery tickets, wire transfers, race track wagers, money orders, off-track betting, travelers checks, casino chips, and foreign currency. Customers can choose from popular options such as the BMO SPC CashBack MasterCard and Air Miles World MasterCard. Student cards feature generous discounts and points toward travel, gifts, merchandise, and theatre tickets. The bank also offers affinity cards that are designed for customers who support different causes. The bank partners with different establishments such as Doctors of BC and the Union of Taxation Employees. BMO MADD Canada is one card with exclusive discounts, pre-authorized debit, and other features. There are cards that support research societies and institutes and health causes. Another option is the BMO Canadian Red Cross MasterCard which goes with an interest rate of 19.9 percent, vehicle coverage, and free additional cards. With affinity cards, a small percentage goes toward charitable causes.

The Bank of Montreal offers credit cards that are specially designed for business customers. There is a selection of business cards with automatic rebates, no foreign exchange fees, and other perks. In addition to credit cards, businesses are offered term loans to buy real estate and equipment.

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Credit Cards and Other Borrowing Solutions

September 1, 2014 By

Customers of Capital One enjoy a large selection of products for their personal, shopping, travel, and other needs. There are secured and unsecured cards for customers with different income levels and credit rating. The bank requires that customers provide their social insurance number to run a credit check. Capital One offers consumer and business cards for different credit profiles, and most products require average or excellent credit. Business cards offer discounts on entertainment and dining, business services, office supplies and staples, and more. Discounts are also offered on travel services and information technologies.

With secured credit cards, customers make refundable deposits and benefit from low annual fees. When applying for a secured card, applicants provide employment information, including income from public assistance, retirement, dividends or interest, self-employment, seasonal and part-time jobs, and salaried income. Borrowers with fair or tarnished credit benefit from a secured card if they use it responsibly. Borrowers who exceed the limit see their credit score plummet. Capital One offers a selection of credit card products, from rewards and student rewards to competitive rate and business cards. There are three business cards with welcome bonuses, no balance transfer fees, extra miles, customized spending limits, and a lot more. Miles can be exchanged for travel and airfare, gift cards, cash rebates, merchandise, and more. Individual customers have plenty of choice, including student and rewards cards. Student credit cards, for example, are offered to consumers with average credit and feature perks such as no annual fee, cash back on textbooks, gas, groceries, and other purchases, cashback bonuses for timely payments, and other perks. Specialty cards such as the Sony credit card offer points toward Sony merchandise, games, electronics, and other items. Specialty cards feature travel perks such as discounts at resorts, preferred seating, and others. Customers enjoy benefits such as wine and fine dining experiences, tickets for major football games and golf outings, and others.

Credit Cards and Other Borrowing Solutions

Business and consumer cards are suitable for purchases such as supplies and staples, groceries, and utility bills. Cards by Capital One help pay for groceries, fuel, car payments, satellite service, hair care and clothing, gifts and charitable giving, subscriptions, and gym membership. Loans and home equity lines of credit, on the other hand, are designed for large purchases such as second homes, new and used vehicles, and others. Capital One offers a selection of secured and unsecured loans for large purchases.

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Financial Institutions Offer Competitive Interest Rates to Attract New Customers

April 4, 2014 By

Most banks that offer secured cards require a deposit of $300 to $500. Issuers require a deposit to guarantee timely payments. The deposit amount varies from one bank to another and ranges from few hundred dollars to $3,000 or higher. There are many advantages depending on the issuer, and one is that financial institutions usually report to the credit bureaus. Thus timely payments help borrowers to re-establish or build credit for example if you use Walmart Master Card.

Using a transfer card is a way to lower your monthly payments and interest rate. Financial institutions offer competitive interest rates to attract new customers. There are many benefits for users provided that they don’t exceed the limit. Usually, balance transfer cards are offered to new card members. The length of the promotional period and the interest rate are two factors to consider when making a decision. Make sure that the promotional APR applies to the outstanding balance and new purchases. Given the low introductory APR, a balance transfer card is a tool to pay down your outstanding balances. Keep in mind that late payments incur penalty interest. Your credit and payment history are one factor that determines the interest rate. A balance transfer card helps borrowers with excellent credit to lower the interest rate. Those with fair or good credit are offered the regular rate. While the interest rate is low, some issuers charge high annual fees. Secured credit cards are also offered to customers who are considered risky borrowers. Financial institutions offer a wide array of credit cards to customers from different walks of life. Banks offer prepaid and secured cards to customers who want to rebuild credit.

Customers can choose from different types of products, including gas, cashback, and other cards. Many issuers offer balance transfer cards with perks such as cash back on movies, restaurants, gas, and other purchases. If you have tarnished credit, other options to consider include department store and prepaid credit cards. The main drawback is the high interest rate while payments are not reported to the credit bureaus. Charge cards also allow holders to make purchases on credit. With charge cards, customers are required to pay the balance in full.

You can open an interest-bearing savings account and place the deposit there to earn interest. The main downsides are the higher interest rate and the fact that applicants often pay annual fees and processing and application fees. The higher risk of default explains why many issuers offer higher interest rates to borrowers with poor credit. Whatever your case and financial situation, make sure you pay the balance in full. As a rule, this is an option for borrowers who can’t get approved for a standard card.

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