Virgin America represents the long anticipated arrival in the United States of Richard Branson’s signature airline franchise. So far, they have focused on providing transcontinental flights with their unique style and service. Virgin America offers a Visa airline credit card from Barclays Bank that allows card members to earn points towards free flights in their frequent flier program called Elevate.

Rewards: For each dollar spent with this card, customers will earn a single point in the Elevate program. Triple points are earned for purchases from Virgin America. In addition, cardmembers can earn another 300 points for every $5,000 in purchases, with a limit of 1,200 bonus points each year. Cardmembers will also receive a 0% introductory financing period on balance transfers for the first six months of their account, although there is 4% balance transfer fee. After that, card holders will incur interest at the standard rate which is equal to the Prime Rate plus either 12.74% or 21.74%, depending on the applicant’s credit history. Surprisingly this is a no annual fee credit card, but there is a foreign transaction fee of 3% on all charges processed outside of the United States. read the rest of this entry… »

Along with retirement accounts, most Americans count their home mortgage as one of their most important vehicles for saving. The American Dream is not just home ownership, but actually paying off a mortgage and owning a home outright. Wells Fargo bank offers its Home Rebate Rewards Visa card, not just to earn cash back or to take a vacation, but to get customers one step closer complete home ownership.

Home rebate users  earn 1% rebates that are applied to the principal balance of eligible Wells Fargo mortgage loans. These rebates are applied in $25 increments, each time a cardholder spends $2,500, but there is no limit on the number of rebates that can be received.

This card also offers a 0% introductory financing offer on both purchases and balance transfers for six months.

Other Features

The best credit cards in the rewards category return cash back or loyalty points that cardholders treat as a bonus and add to their discretionary spending. By diverting these rewards to a mortgage account, cardholders undertake a strategy of automatic savings that will pay dividends in the long run. By reducing their principal each year, they will pay less interest on their loan than they otherwise would have and expedite the process of finishing off mortgage balances. read the rest of this entry… »

Below is a roundup of current business credit card offers that provide sign-up bonuses as well as features and benefits that many businesses can profit from.

Ink Bold Business Card from Chase: Businesses that pay every statement in full do not necessarily need a credit card, they can use a charge card that requires payment in full each month. Chase offers their Ink Bold charge card that allows companies to earn valuable Ultimate Rewards points on each purchase. These points are normally worth one cent each, but they go 25% further when used to book travel through Chase’s Ultimate Rewards web site. Finally businesses can earn up to 45,000 additional points each year at they reach the spending thresholds of $25,000, $50,000, and $100,000. This card has a $95 annual fee that is waived the first year. For more, see Chase credit card offers.

Business Platinum Card from American Express:  With a host of valuable travel benefits, this business card is aimed at the premium business traveler. Cardmembers will receive a $200 statement credit towards any airline fee, and a $100 credit towards a membership in Global Entry from the U.S. Customers and Border Patrol. Cardholders also receive memberships in the lounge programs of Delta, American, and US Airways. When using the card, businesses will earn valuable Membership Rewards points which can be redeemed for cash back, gift cards, merchandise, or frequent flier miles. For more, see American Express credit card offers.

Capital One Venture for Business:  This relatively simple card returns two miles for each dollar spent. Each mile can then be redeemed as a statement credit towards any travel related expense. When used as a cash back card, this product returns an impressive 2% on all purchases. When viewed as an travel rewards card, customers can enjoy free travel and still earn miles and be eligible for upgrades. With no foreign transaction fees, this is a great card for conducting business internationally. For more, see Capital One credit card offers.

SimplyCash Business Card from American Express:  Cash back with no annual fee is a winning combination for any business. American Express offers its SimplyCash card with a standard 1% back on all purchases, plus 3% cash back on gasoline. To top it off, 5% cash back is returned on wireless services and office supply purchases. Finally, this card is eligible for 3% -10% off of purchases from businesses in American Express’s OPEN Savings plan. This program automatically applies substantial discounts to purchases from business product and service providers like FedEx, Hertz, and OfficeMax.

Ink Classic from Chase:  The Ink Classic is a credit card that delivers generous cash back to businesses. Companies can earn five points per dollar spent on office supplies, as well as cable, wired, and wireless telecommunications services. Two points per dollar spent is also earned on purchases of fuel and at hotels. All other purchases earn a single point per dollar spent. Points can be redeemed for one cent each as cash back, gift cards, merchandise, or in other ways. Finally, this card is eligible for Chase’s Blueprint program that allows businesses to carry a balance on some purchases while avoiding interest on those paid in full. There is no annual fee for this card.

It can be tough to spend long days on the road, especially when traveling on a budget. At the very least, it is nice to earn credit card reward points from hotels that can be used for travel rewards. The Best Western Rewards World MasterCard from Barclay’s allows their customers to earn elevated reward points from stays at their hotels that can be redeemed for a myriad of travel benefits.

For each dollar spent, travelers will only earn a single point in the Best Western Rewards program, but purchases at their hotels will earn a far more substantial 15 points per dollar. New cardmembers will receive 10,000 points as a sign up bonus and are eligible to earn another 5,000 points for completing a balance transfer within the first 30 days of opening an account. There is a 0% APR on balance transfers for the first six months of card member’s accounts. There is a 3% balance transfer fee during this introductory period, but it then rises to 4%. After the introductory rate expires, interest will accrue at a rate equal to the prime rate plus either 10.74% or 21.74%, depending on the applicant’s credit history. Card holders are will also be upgraded to Best Western Rewards Elite status when after spending $6,000 on their card. There is no annual fee for this card, but there is a foreign transaction fee of 3%. read the rest of this entry… »

One of the tactics that a credit card holder can relieve the burden of debt is a balance transfer. So popular is this feature that banks are aggressively competing with each other to offer cards with the most favorable introductory terms. Consumers who have not done balance transfers in recent years will be pleasantly surprised by the current crop of offers, many of which offer 0% introductory periods for more than 15 months. And, while all of these cards carry 3% balance transfer fees, this nuisance fee is a pittance relative to the 15% annual interest rates most are paying.

Citibank credit cards dominate the balance transfer market.† Citi’s Platinum Select MasterCard and Diamond Preferred cards offer a 0% introductory APR on both purchases and balance transfers for 21 months. These offers are three months longer than the competition in the balance transfer department and in the purchase intro department, a full six months longer than what is available elsewhere. read the rest of this entry… »