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Tag: business travel
First Citizens Business Visa Rewards
First Citizens Business Visa Rewards: The Premier Business Credit Card
The First Citizens Business Visa Rewards is an exceptional credit card specifically designed for business owners who seek to maximize their spending power while enjoying a robust rewards program. Issued by First Citizens Bank, this card not only provides flexibility but also a wealth of benefits that can help businesses thrive.
Card Type
The First Citizens Business Visa Rewards is a business credit card that falls under the category of rewards cards. Its ideal for small business owners looking to earn rewards on everyday business expenses such as local purchases, travel, and business development costs.
Annual Fee
One of the most attractive features of this card is that it comes with no annual fee. This allows businesses to fully enjoy the rewards without worrying about additional yearly costs, making it an appealing option for budget-conscious operations.
Rewards Program
The rewards program is a significant selling point for the First Citizens Business Visa Rewards. Cardholders earn 3 points for every dollar spent on qualifying purchases in popular bonus categories like travel, dining, and office supplies. For all other purchases, cardholders earn 1 point per dollar spent. Points can be easily redeemed for a variety of options including cashback, gift cards, or travel purchases, providing the flexibility to choose what best fits the businesss needs.
Sign-Up Bonus
New cardholders can take advantage of a generous sign-up bonus. By spending $2,500 in the first 90 days of account opening, cardholders can earn an additional 25,000 bonus points. This substantial bonus can be a great boost to initial rewards, especially for businesses with significant expenses during their start-up phase.
APR (Annual Percentage Rate)
The First Citizens Business Visa Rewards boasts a competitive regular APR of 15.99% – 24.99%, depending on the creditworthiness of the applicant. Currently, there is no introductory 0% APR offer; however, the rates are relatively low compared to other business credit cards, making it a cost-effective choice for ongoing purchases.
Foreign Transaction Fees
For businesses that operate internationally, the First Citizens Business Visa Rewards is advantageous as it has no foreign transaction fees. This allows cardholders to use their card abroad without incurring additional costs, facilitating seamless travel and business transactions overseas.
Balance Transfer Options
While the card does not feature specific introductory balance transfer offers, it allows balance transfers with a standard annual percentage rate that is competitive within the industry. Business owners should assess their options if looking to consolidate existing credit card debt.
Additional Fees
Aside from the standard interest rates, the First Citizens Business Visa Rewards includes some additional fees that cardholders should consider. These include:
- Late Payment Fee: Up to $39
- Cash Advance Fee: Either $10 or 3% of the amount (whichever is greater)
Card Benefits and Perks
This card is equipped with a variety of benefits and perks that can enhance the business travel experience. Notable features include:
- Access to travel accident insurance
- Concierge services to help with travel planning and reservations
- Rental car insurance to cover damages or theft
Customer Protections and Insurance
The First Citizens Business Visa Rewards provides essential customer protections, which include:
- Fraud liability protection to shield against unauthorized transactions
- Purchase protection on eligible items for a specific duration after purchase
Eligibility and Credit Score Requirements
To qualify for the First Citizens Business Visa Rewards, applicants generally need a credit score within the range of 670 to 850. Aside from credit score considerations, applicants may also be evaluated based on business revenue, industry type, and overall financial stability.
Introductory Offers
Currently, there are no specific introductory offers like 0% APR for existing balances. However, prospective customers should keep an eye out for promotional campaigns that may provide new incentives as they arise.
Special Features or Unique Selling Points
The First Citizens Business Visa Rewards stands out for its simplicity and robust rewards structure. Another unique feature is the card’s flexibility in reward redemption and robust customer service offerings, including personalized assistance for business travel and purchase planning.
How to Apply
Applying for the First Citizens Business Visa Rewards is simple and straightforward. Interested business owners can UpCube.net for insightful resources.
CitiBusiness / AAdvantage Platinum Select Mastercard
CitiBusiness / AAdvantage Platinum Select Mastercard: A Comprehensive Overview
The CitiBusiness / AAdvantage Platinum Select Mastercard is an excellent choice tailored for business owners who frequently travel or fly with American Airlines. Issued by Citibank, this co-branded travel rewards card offers exceptional perks that can significantly enhance your travel experiences while affording you the flexibility to earn valuable airline miles.
Annual Fee
The card does come with an annual fee of $99. However, the fee is waived for the first 12 months, offering you a chance to enjoy all its benefits without immediate financial commitment.
Rewards Program
The rewards program of the CitiBusiness / AAdvantage Platinum Select Mastercard is designed to cater specifically to frequent travelers. Cardholders earn 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases, including flights, in-flight purchases, and certain fees. Additionally, you can earn 1 mile per dollar spent on all other purchases. This means that every business-related expense can contribute towards future travel adventures.
Sign-Up Bonus
New applicants can enjoy a lucrative welcome offer. Upon spending $5,000 in the first 3 months of account opening, cardholders can earn 70,000 AAdvantage bonus miles. These miles can cover round-trip flights or be redeemed for upgrades and other travel-related services, making this an enticing offer for business travelers.
APR (Annual Percentage Rate)
The CitiBusiness / AAdvantage Platinum Select Mastercard features a competitive variable APR ranging from 15.99% to 24.99% based on creditworthiness. Furthermore, there is an introductory offer of a 0% APR on balance transfers for the first 12 months, making it a practical option for managing existing debts.
Foreign Transaction Fees
This card is a great choice for international travelers as it comes with no foreign transaction fees. This means you can make purchases abroad without worrying about extra costs, making your travels more convenient and cost-effective.
Balance Transfer Options
In addition to the introductory 0% APR offer for new purchases, cardholders can take advantage of competitive balance transfer options. This can help in managing and consolidating debt, especially for those transferring high-interest balances from other credit cards.
Additional Fees
Be aware of some other potential additional fees with this card. Late payment fees can reach up to $40, and a cash advance fee ranges from 3% to 5% of the cash amount. These charges can add up, so cardholders should use this card responsibly.
Card Benefits and Perks
One of the standout features of the CitiBusiness / AAdvantage Platinum Select Mastercard is its various benefits and perks. Cardholders receive a free first checked bag on domestic itineraries for themselves and up to 4 travel companions, saving up to $300 on tax annually. Additionally, you receive preferred boarding on American Airlines flights, allowing you to settle in faster. Another excellent benefit is the access to travel insurance, which includes trip cancellation and interruption insurance.
Customer Protections and Insurance
Security is paramount, and this card does not disappoint. It includes fraud liability protection and a purchase protection policy that safeguards eligible purchases against damage or theft. Moreover, renters can enjoy rental car insurance, adding another layer of protection during travels.
Eligibility and Credit Score Requirements
Applicants should aim for a credit score of good to excellent, typically ranging from 700 to 850, for the best chances of approval. Other factors, such as income and credit history, will also influence approval decisions.
Introductory Offers
As part of the initial offerings, the card presents a 0% APR for the first 12 months on new purchases and balance transfers, allowing you ample time to manage expenses or consolidate credit card debt without accruing interest.
Special Features or Unique Selling Points
This card features unique selling points such as the opportunity to earn AAdvantage miles not only through travel but also through everyday business expenses. Additionally, cardholders can benefit from access to special events and promotions exclusive to CitiBusiness customers.
How to Apply
Applicants can conveniently apply for the CitiBusiness / AAdvantage Platinum Select Mastercard ‘>Apply Here and start earning valuable AAdvantage miles today!
For more financial insights, visit UpCube.net.