The Black Cards: Amex and Visa

There is little doubt that the relatively recent Visa Black Card plan is modeled on attempting to make use of the mystique and desirability brought on by the exclusivity of the American Express super-card referred to as the Amex Centurion. Those who are familiar with both cards will probably consider the title and chuckle; there isn’t any comparison backward and forward; the Amex cannot even be held by simple mortals who cost under $250,000 annually on their credit cards, whereas the Visa Black might be dealt with a middle-class person. Regardless, we asked a detailed friend who runs a business and has each credit card for the information on his experience, even though he is had he Amex for several years and his Visa Black for almost two.

Amex Black Credit Card

Amex Black Credit Card

The first thing to notice is the improvement in annual fees. The Amex Centurion expenses regarding $210 per month – an annual fee of $2,500 – only to have it on your bottom line. Sound like a lot? Well, that is because you (nor we) are able to afford it! Our buddy Bill requires home over $40,000 per month following taxes, doesn’t have kids, and dates from time to time. The Visa card’s $495 annual fee stops working to $40 per month, that is what Bill tips the man who parks his Benz anytime he eats out, quite a lot for a single, nearly-middle-aged bachelor’s. Besides, using what he spends in a year, the cash-back simply insures the insignificant annual fee in any case.

The particular concierge services seem excellent; Bill related a tale to us about buying a split-second trip with a friend; he utilized the Amex – it was prior to he would request the Black Card – Centurion and known as the assistant table, who’d not just reserved the flight, first-class for a few, but also guaranteed a limousine, dinner reservations at an exclusive restaurant, hotel and concert tickets in under half-an-hour. He mentioned they must have had multiple people behind the curtain catering to his wishes, to make it happen so quickly. He’d later use the Visa Black Card for any fairly similar function, and also got the same service and results, using the assistant desk at Visa even organizing an individual shopper at the hotel to bring up some things through various stores about a new city, all achieved by the end of a (long) day. The Black Card obviously does not carry as much weight as the Amex, however, it is not meant to; the personal-assistant-equivalent, various insurance policies, and most prestige it offers makes it, in the opinion, an advisable credit card to have. However, he makes half-a-million dollars a year, so go figure.

Being an insurance specialist from her early years attending college, Christina happens to be thinking about the workings of the Visa Black Card industry, and it has analyzed credit card use thoroughly in her free time. The newest wave of luxurious black cards can drown many who utilize and receive one, when they allow their consumerism to obtain the best of them. Black cards can be quite great, but, for the smart, so consider them and a technique for using them.

Amex Platinum Black Cards

Amex Platinum Black Cards

Black Cards Amex

Black Cards Amex

Black Cards Visa

Black Cards Visa

Home Page Black Card Visa

Home Page Black Card Visa

Understanding Your Free Credit Card For Travel Insurance

Many people are opting in for the least expensive things to buy by shopping around, utilizing a point and finding locations that obtain ‘freebies’. Vacation travel insurance is among those ideas. Many people really like a freebie, or at best the illusion of a freebie and lots of don’t know that they’ll obtain a travel insurance policy without paying additional costs. Nearly all major cards and even the smaller sized companies are utilizing ‘free’ travel insurance to inspire their card holders to get their travel using their cards. This has each pros and cons which include having the ability to stock up on your regular flyer points, if the program is also connected to the card. So you are not just boosting your flyer miles you are also receiving a travel insurance policy. There are a variety of things that you need to have to understand when utilizing your credit card for travel insurance.

Blue and Gold Free Credit Card

Blue and Gold Free Credit Card

The first and most significant point is that if you are paying your travels using your card doesn’t automatically provide a policy. You must contact your loan company and advise that you have made your purchase. You’ll then need to prove you have paid for the travel completely and should show provide them with the schedule that is booked. When this is done they will then supply you with a policy number. I advise which you double check with your card provider that a, you’ll be covered and b, what are the conditions. Because this is a ‘free’ cover that is really a benefit of the card the policy is only basic. Some may only cover health care up to a pair a thousand for instance. Medical bills might sky-rocket way over this limit in certain countries. So be sure you check the policy details before resolved.

For high risk countries that are detailed as Africa, Middle East and also USA I would suggest getting better vacation travel insurance to cover you. Because the medical bills and the risk of theft as an example will be greater than what your credit card company is ready to pay.

Lastly, If you book utilizing your credit card you’re going to get slapped with a fee often between 2-5% of the purchase. If you’re paying $3,000 to your travels then you might pay between $60 and $150.

This is when you need to think about what’s best for you. For $150 you are able to probably obtain a medium to full coverage insurance coverage with all the great features. So why would you apply the extremely basic insurance for the same price. Granted, you might book online and obtain slapped with the fees for credit cards anyway, the choice being visiting the office or agency and paying cash or utilizing Eftpos. So again this is where it comes to what is best for you.

You are able to certainly save money on your vacation travel insurance policy with your credit card, the only catch is you’re limited to what you are covered for.

Blue Credit Card

Blue Credit Card

Free Vector Three Different Credit Card

Free Vector Three Different Credit Card

Freedom Eagle Cash Card

Freedom Eagle Cash Card

New Credit Card

New Credit Card

American Express: The Centurion Card

Whichever name you use,The Black Card , The Centurion Card? It is still the most exclusive credit card in the world. I am finding it more often than I used to, it might be the circle I travel in, it might be people are generating money, or even American Express is only inviting much more card members than in years past (even though American Express won’t disclose how many members already have Black Cards).

American Express Centurion Card

American Express Centurion Card

I see this incredibly heavy VIP card in restaurants, nightclubs and  hotels all around the world, that is all very normal, however the other day I saw a girl use her Black Card to get a $2.00 espresso at Starbuck’s. So I have the Platinum Card ( I understand weird to love a credit card, however, I do have strong emotional feelings regarding my little platinum bit of plastic), and I am wondering, what does it take to obtain a Centurion Card Invite? Should I be an Academy Award winning celebrity, perhaps a politician having a very wealthy wife or an enterprise mogul buying twenty-five 1000 dollar dinners every week? Gets a Black Card Invite harder than engaging in A Little World ?

There’s a lot of news about what it takes to obtain this card. I needed to hear it straight from the source, so I approached American Express directly. This is what they are ready to disclose:

1. The Centurion Card is inviting Only . There is no online software and no, your friend that actually works for American Express probably cannot get you in. They’ve criteria (that they will not totally discuss) but it surely includes high investing. I asked them when the number was $250,000 a year and this was not verified nor denied. However, it was stated that they consider the card member overall, not only investing habits. It might be like dating where they only want somebody with a great character and enjoys long uses a beach (other than the beach will likely have to be in Bali if you are hoping to get the Centurion Card).

2. There’s a one-time initiation fee of $5,000 incurred to all new Centurion accounts. It is kind of like signing up for a very private club with wonderful benefits including access to Mercedes-Benz Fashion Week, unique cultural and culinary events around the world. You also excellent amazing customized service, superior than any you can imagine and help in making your wildest dreams (and many ridiculous demands) comes true!

3. Every year the annual fee is $2,500. Once again, you are paying for the benefits persons. If you are vacationing around the world, require super specific service and all the other amazing benefits, it is a small price to pay! And if you’re able to get this card, you are so loaded that you will never even feel the heat of $2,500 once a year!

So there, it’s The exclusive Black/Centurion Card. Right now, go out invest enough, travel a lot and perhaps some day this desired kit will show up in your mailbox!

Amex Centurion Card

Amex Centurion Card

Amex The Centurion Card

Amex The Centurion Card

Centurion Card from Amex

Centurion Card from Amex

Centurion Card

Centurion Card

The Best Credit Cards in 2015

After a season of luxurious vacation shopping, it may be time to change your focus on your credit cards. Maybe you’ve an equilibrium you cannot fully pay off. Maybe you are looking in order to earn some extra benefits or save up for your next holiday. Choosing the right credit card might simply save you 100s or 1000s of dollars. With all the economy on the upswing, credit-card companies are offering incredible bonuses, lengthy 0% intro APRs, and nice reward systems. NextAdvisor.com is a customer information site that evaluations, credit cards from all major companies; its mission is to help customers spend less. Based on the company, these are the basic best credit cards in 2015.

1. Best cash back card: Blue Cash Preferred Card From American Express

Why you need to have it: The Blue Cash Preferred Card from American Express, the champion of NextAdvisor’s cash-back-card evaluation, combines fantastic cash rewards with a 15-month 0% APR period. This is an excellent choice for anybody who spends a lot of food items and gas, because it can definitely rack up cash back rewards. You don’t need to register quarterly to obtain the rewards – they are automatic.

Earn 6% back at supermarkets (on up to $6,000 in buying annually), 3% of gas stations and choose shops like Sears, JCP, Macy’s, Kohl’s, and Nordstrom, and 1% cash back on all of your other buys.

There’s a $100 reward and a free year of Amazon Prime having spent $1,000 in the first 3 months. 0% intro APR for the first 15 months on buying and balance transfers (there is a 3% balance-transfer fee). $75 annual fee, however, you will be able to earn this back. If you prefer a credit card with no annual fee, a 0% intro APR period, and huge cash back rewards, check out it’s sister card, the Blue Cash Everyday Card from American Express, or use NextAdvisor’s free Personalized Cash Return Loan calculator to find out what cash-back card is perfect for you.

Blue Cash Preferred Card From American Express_Serve Credits Card

Blue Cash Preferred Card From American Express_Serve Credits Card

 

2. Best card for businesses: Ink Cash Business Card

Why you need to have it: This card has excellent business-oriented functions, such as nice cash-back rewards, a 0% intro APR, and no annual fee. The 12-month, 0% intro APR on buying and balance transfers is a good idea for new businesses seeking to help to make big buys they do not have to pay off for a year, along with bigger businesses that would like to make the most of paying no interest for a year.

Get a $200 bonus after working $3,000 in the first 90 days. Earn 5% cash return on buying at office-supply stores and on the land-line,  internet, cell-phone, and cable TV services (on up to $25,000 in mixed buys). Get 2% cash return on the first $25,000 in mixed buys at gas stations  and restaurants and an unlimited 1% cash return on all other buys. The 5% and 2% cash-back bonuses are issued annually on your own account wedding anniversary, but the 1% cash-back bonuses are released monthly.

INK Cash  Blue Card

INK Cash Blue Card

Ink Cash Business Card

Ink Cash Business Card

INK Chase Business

INK Chase Business

Visa City Thankyou Credit Card

Visa City Thankyou Credit Card

 

Top 10 Credit Cards 2015: Best Credit Cards To Travel

Top 10 Credit Cards 2015: Best Credit Cards To Travel. 2015 brings new possibilities to increase your travel rewards, both in regards to earning and redeeming the points and miles which get you where you want to go.

Ink Plus

Ink Plus

The most important aspects of your prize travel strategy are selecting that rewards credit cards to obtain and carry, since the sign-up bonuses along with the benefits they provide could be immensely valuable. But, these bonuses and benefits switch continuously; you may even find various rewards for the similar card based on which channel you utilize to apply (online, over the phone, personally at a bank or with a specific offer).

Several variations and changes arise with little or no notice, as well as an offer that’s currently available could be gone later today. That’s the reason it’s important to remain current on the credit card marketplace and monitor developments, if an incredible deal becomes available, you’re prepared to benefit from it.

That will help you do that, and with the new year in your mind, I’ve compiled a list of what I feel are the top travel credit card offers for 2015.

Most of the cards on this list consistency thanks to great benefits and pretty constant bonus opportunities, like those found on some of its Plus and the Barclaycard Arrival Plus. But,  the list does consist of month to month, and the rankings move to the other. For instance, Barclaycard recently raised the sign-up bonus on the US Airways Premier World MasterCard from 40,000 miles to 50,000 miles (after the first purchase and payment of the $89 annual fee) in a final push to get new cardholders before the card disappears, so it has earned a place near the top of my list.

Top 10 Credit Cards 2015: Best Credit Cards To Travel. If you’re seeking to apply for a credit card right now, here’s the list of cards and Current Bonus:

1. Platinum Card from American Express. 100,000 points when you spend $3,000 in the first 3 months.

2. US Airways Premier World MasterCard. 50,000 Dividend Miles after first buy or stability transfer in the first 90 days and payment of yearly cost. Note: there’ve also been reports of focused bonus offers of 50,000 miles once you spend $1,000 in 90 days.

3. Ink Plus. 50,000 points after spending $5,000 in 3 months.

4. British Airways Visa. 50,000 Avios after spending $2,000 in the first 3 months.

5. Citi Platinum Select AAdvantage World MasterCard. 50,000 AAdvantage miles and 2 Admirals Club one-day passes having spent $3,000 in the first 3 months.

6. Ritz-Carlton Rewards Visa.140,000 points when you spend $3,000 in the first 3 months.

7. Citi Thank-You Premier. 20,000 Thank-You points once you spend $2,000 in the first 3 months, and 30,000 further points once you spend another $3,000 in the first 3 months of the 2nd year of cardmembership.

8. Chase Sapphire Preferred. 40,000 points once you spend $4,000 on buys in the first 3 months.

9. Barclaycard Arrival Plus World Elite MasterCard. 40,000 miles having spent $3,000 in 90 days.

10. Citi Hilton HHonors Reserve. Two weekend night certificates-each great for one weekend night at most resorts and hotels within the Hilton Worldwide portfolio-after spending $2,500 in 4 months.

British Airways Visa

British Airways Visa

Citi Platinum Select AAdvantage World MasterCard

Citi Platinum Select AAdvantage World MasterCard

Platinum Card from American Express

Platinum Card from American Express

Ritz-Carlton Rewards Visa

Ritz-Carlton Rewards Visa

The Easiest Digital Wallet for Transaction with Applepay

Applepay is created for you the modern people who have high level of business that has function to make you easy in handling any kind of transactions. This is the feature which is created by Apple. This application is special and created exclusively for Apple with iOS 8.1. For all of you who are Apple 8.1 users, now you can enjoy the easiness transaction through this app. This application is actually like a special payment or credit card which is applied in iPhone 6. You can imagine the easiness you can do with your gadget only with your hand handle and sophisticated gadget. Nowadays, you do not need credit card inserted in your wallet anymore. To get this easiness, there are actually some steps you have to do. Let’s take a look what kinds of steps you have to be done.

apple pay tim cook

apple pay tim cook

Before going to the steps, you have to know the important information that there are more than a million credit cards are confirmed and connected with Applepay as the payment mobile service. Only within three days, a million credit cards have been confirmed. When the first application is released, it is only announced and can be used in the US, but nearly future it is going to be spread to all around the world. If you love to shop online, this payment application is really suitable for you or even you go to shop in the department store, you can pay all stuff you have bought with Applepay. Now, this application is becoming the leading online payment system application in the world which is really easy, safe and private. This payment application is also can be competed with the first competitor of digital payment which is Google wallet.

Now, you will know the steps of having this payment application. First thing you have to do is download it in App store. Make sure that you use iPhone 6 to operate it and then install it. Next, you have to open Passbok app in your iPhone in the home screen. Then, open the application of Applepay, in this case you need to insert your debit card or credit card number. You need to add new Passbok in your iPhone, the steps you have to do is just tapping the plus sign or you can use the setting command. After finishing this process, you have to tap new debit card or credit card based on your account card you have. There are some detail informations you have to be filled by inserting the card. To insert your card, there are options you can choose; first insert the number of card manually or tap the camera button and let the camera scan your card into Passbok. The last step is processing the term of use.

After all steps are done in your iDevice, you can use this payment application to transaction in online store or retail shop. To use it in your iPhone 6, you only need to tap the button navigation right on Tound ID. Remember this application only can be used by you, because it uses finger print to verify the transaction process with Applepay.

apple pay tutorial

apple pay tutorial

apple pay simulation

apple pay simulation

apple pay phone

apple pay phone

apple pay illustration

apple pay illustration

Bluebird Card Comes with More Features and Conveniences

Bluebird Card is very useful for nowadays. In this modern era, everything can be done easier, faster, and more efficient. This is because all things in your surroundings have been made with high technology. Moreover, who do not know about internet access? All people, todays, are demanded to understand it, because almost all activities are operated through network, or you usually called it as online system. It is used by many people because of its ability that can make everything finished in faster and accurately. Especially, for shopping and payment activities, most people prefer to use online system. They can do any payments only through their gadgets. So, for some people that have no more time to go to bank or any place for doing transaction, this card can be another alternative choice.

American Express Bluebird Card

American Express Bluebird Card

You can get any convenience when you use bluebird card in any of your activities. It is because this card comes with some of great features. Besides, you can use it for some payments that can be paid with your credit card like mortgage, rent or even for car payment. With a bluebird account, the card can allow you to use it for managing and spending your money in making payments with electronic network system. If you have made an account and activated your bluebird card, you can pay for your purchasing items, goods, and even any services at the stores, also for ATM withdrawals. However, beside those card uses that come with a lot of conveniences, you still can get any other benefits from this card.

There are some profits that you can enjoy. First is about its easiness. You can use the card easily, like the motto of bluebird that it serves with features, not load with fees. This is related to the free cost of opening new account, inactivity, foreign transactions, overdraft, and card replacement. Besides, you will ask for no charge of monthly and even the annual fees. You cannot agree anymore that you will not find any financial institutions that can give you any easier process like bluebird card does. Then, second is you will not be upset with the credit check. This card does not require any credit check because it is a card alternative for checking debit or account. So, you only should give your information about first and last name, phone number, email, and address when you are registering for a new account.

Then, for any payments, you will give many conveniences like to pay bills without any stamps, fees, and even daze both in the website system and application on smartphone. The last is about cash withdrawal. You know that this card is like the ATM cards. Therefore, you can pick any value of cash with this card and withdraw it, even without any fees like ATM does. Moreover, all of those convenience and benefits of card using will make you easier, faster and more efficient in doing your payment activities. Then, without any fees, you absolutely make your activities with bluebird card.

AMEX Bluebird Card

AMEX Bluebird Card

Bluebird Card

Bluebird Card

Use Bluebird Card

Use Bluebird Card

Using Bluebird Card For Walmart

Using Bluebird Card For Walmart

Celebrate Your Friend by Giving American Express Gift Card

American express gift card might be a great present to celebrate your friends or family members. There are a lot of ways of people in giving something as gift to their beloved person. For some more wealthy people, they have more different way to choose the presents. To give any usual things like jewelry, shoes, clothes, bags, or any other luxurious thing has become very common. Besides, those things may do not fit to their pleasure. So, you can make them to choose any things that they mostly love. Then, how to give that such thing? You should not need to be confused in choosing any gifts, because with gift cards, you can make them choose their own favorite gift. Moreover, it can be a unique gift that they have not received yet before.

American Express Gift Card

American Express Gift Card

If you usually use a convenience of some credit cards, you should understand about this card. American express gift card, actually is not like usual credit card, because it is not. When your friends or family members have their birthday, you might try to give them this card. With certain amount of balance deposit in this card, the people who get this gift can purchase everything they want in some merchants that can accept this card. So, they can choose the gift they really love with the gift card. American express gift card is a convenience that you can give to them. Furthermore, you also can enjoy it when someone gives this card as your gift. If you are still confused about procedure of this card, here are some explanations of how to use this gift card.

Like the other credit cards, you can use it as purchase payment. However, you only can use the limited amount of balance deposit in the card. There are some steps that you have to do before use the card.  First, you have to sign your name on the card’s back side to indicate that the people who use the car are same with the ones who sign on the card. Then, you need to write down the 15 digits number of gift card and 4 digits of security code that is printed on the front side of cards, on the separate paper. The numbers can be used as confirmation, if your card is lost or stolen. Then, if it is needed, you have to activate your American express gift card before using it.

Then, after you have done those steps above, you can go to the store or even visit some online stores to shop your needs. Before you pay your purchased items, you should tell the cashiers that the card that you will use is a gift card, and tell them about the value is on your card. If your item costs more than the available balance of the card, you must ask what payment you can use to pay the rest, whether in cash, or with another cards. They will give you an additional payment form if the cost is greater that the deposits on your American express gift card.

American Express Gift Card Images

American Express Gift Card Images

AMEX Gift Card Photo

AMEX Gift Card Photo

AMEX Gift Card Pictures

AMEX Gift Card Pictures

AMEX Gift Card

AMEX Gift Card