Tag: credit cards

Best Travel Credit Cards with low annual fee
There are several top travel rewards cards that consist of large sign up bonuses but yes there is specific amount of annual fees which is charged and the cardholder has to pay. Worry not because there are several Best Travel Credit Cards that waive of the annual fees for at least for the first year.

Best Travel Credit Cards with low annual fee

We have listed down the best travel credit cards with low annual fee which are as follows:

1. United Travel Bank Card

So let’s take a look at the first on list of Best Travel Credit Cards with low annual fee.

The Chase United Travel Bank Card earns cash back rewards that the cardholder can redeem for credit on united flights in just $1 increase. In addition, even if the cardholder takes this card to abroad, there is no foreign transaction fee that will remove any rewards points earned.

The cardholder will earn cash back on every purchase they do which are as mentioned below:
- 2% of cash back on United.com ticket purchases
- 1.5% cash back on all other purchases
- 25% cash back on statement credit on in-flight United purchases
With an on a daily basis cash back rate of 1.5%, this card is competitive with the best cash back credit cards. In fact the new cardholders also have the chance to earn $150 bonus cash by spending just $1,000 in the first three months.

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2.    Blue Delta Amex Sky Miles

The cardholder can redeem every purchase that the delta skymiles earns for award flights with the 15 SkyTeam partners. The cardholder can also earn 10,000 bonus SkyMiles by spending just $500 in the first three months.

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3.    JetBlue Card

if the cardholder spend $1,000 in the first three months then the cardholder can earn bonus miles like minimum 5,000 to maximum 10,000 bonus miles with no-fee jet blue card.You can enjoy 3 miles for each $1 on all JetBlue purchases, 2 miles for each $1 on restaurants and grocery stores. The cardholder can also enjoy 50% in-flight savings on purchasing cocktails and food items. No foreign transaction fee to be charged.

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4.    Hilton Honors Card from American Express

If you become the Hilton credit cardholder it will offer you complimentary Hilton Honors status that lets you get the 5th night stay free on a 5+ night rewards stay. The cardholder may also ear 500 bonus points if he books his/her every stay at Hilton and pays for online with their Amex Hilton. There are no specific limits that how much bonus points you may earn every year. It also has a good rewards program:
- 7x reward points on every Hilton stays
- 5x reward points at all the U.S. grocery stores, gas stations, and restaurants
- 3x reward points on all remaining purchases
Whereas, new cardholders can earn up to 50,000 bonuses Hilton points by spending just $1,000 in the first three months that are good for 10 free Hilton nights. The best part is that the cardholder can also be upgraded to Hilton Honors Gold status next year after spending just $20,000 in total purchases every year.

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5. Choice Privileges Visa Card

The reason their credit card makes the cut is because of its kind purchase rewards:
- The cardholder can earn from 5 to up-to 15 bonus points for all choice privileges as well as choice hotel gift card purchases worth $1.
- The cardholder can also earn 2 points for spending $1 for all remaining purchases.
- Earn 8,000 anniversary points by spending at least $10,000 in card purchases every year
- You can receive 10% bonus points for all choice hotel stays as a complimentary Choice Privileges Gold member.
6. Chase Freedom

The cardholder can use their Chase Sapphire card for travel, dining, and on a daily basis buy things during the year. You can use your Chase Freedom for the quarterly bonus spending categories. the 5% quarterly bonus categories are as follows:
- Gas Stations and Local Commuter Transportation
- Grocery Stores and medical Stores
- Restaurants and Movie Theatres
- Wal-Mart and select Department Stores
For the first $1,500 in collective purchases for the bonus category quarterly, you earn 5 bonus points for each dollar. This means that you can earn 7,500 points instead of the normal 1,500 points!

7. Capital One® Venture® Rewards Credit Card
- $0 annual fee yes you heard it right it means you have to pay no annual fee for at least for the first year but beginning of the second year the cardholder will have to pay $95 as annual fee.
- All the cardholder can enjoy bonus offer which is valid for once of 50,000 miles only if you spend $3,000 on purchases within 3 months .
8. Chase Sapphire Preferred® Card

This is one of the Best Travel Credit Cards preferred by most .
- No annual fee to paid for the first year but beginning of the second year and onwards $95 will be the charged as annual fee.
- The cardholder can get 50,000 bonus points if they spend $4,000 on purchases since the time of your account opening till for the 3 months.
9. Bank of America® Premium Rewards® Credit Card
- Annual fee $95
- Receive 50,000 bonus points a $500 value – once you make at least $3,000 in purchases in the first 90 days since the account opening.
10. Bank of America® Travel Rewards Credit Card
- Annual fee: $0
- Bonus offer: 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $200 statement credit toward travel purchases
11. Barclaycard Arrival Plus® World Elite MasterCard®
- No annual fee will be charged for the first year but $89 will be the annual fee from the second year onward.
- The cardholder can enjoy 40,000 bonus offer miles if they spend $3000 in the first 90 days.
So hope we have given you a good list of Best Travel Credit Cards with low annual fee and some Best travel credit cards with 0 % annual fee even . Choose the best you feel and on comment suggest any we missed which is your choice of Best Travel Credit Cards .
August 27, 2024
Pros and cons of credit cards – All the Hidden Facts on Credit cards

Credit cards are widely used by common people nowadays. Most of us are eagerly waiting to get a credit card so that we can purchase something that is in need whenever required. The credit cards can be used in a very controlled manner and it is a blessing when we need money urgently. Before we think about applying credit card, we should know the Pros and cons of credit cards as well. As the coin has two sides each and everything will have pros and cons. Credit cards should be used only after planning your purchases wisely, otherwise this will become a burden for you. Everybody will be so happy buying things which they like whenever they feel like shopping, but it’s not that simple to pay the huge bill that is coming after a while.

Pros and cons of credit cards

Lets have a look on the Pros and cons of credit cards.

Not only the people who are working, even the college students are using credit card, which may be owned by their parents. This may not be a good option for the students as they are not that serious about the value of money. They are getting the best option for buying whatever they need just by an online/offline transaction. Parents may not be aware about how much they are spending and for what and all they used credit cards. At the end of the month you will get the bill and any way we must repay it. Not only it’s the matter of money, students are getting the chance to just pay and own whatever they need. This may lead to big problems in their life. When we consider checking about the pros and cons of credit cards usage , there comes a lot of scenarios where we can use the credit card as a blessing also. When we go through the pros and cons of credit cards, we will be able to understand more about it.

Pros Of Credit Cards

Purchase Option: When you are going to purchase some household things like TV, Refrigerator, Furniture, etc., we may need to carry a stack of cash for paying the bills. If you have a credit card, then it’s very easy to just swipe and pay whatever amount they need in total.

Promotions and Vouchers: The credit card may provide you with a list of vouchers every month with your bill or as a separate email. Also, you will be able to enjoy some rebates while you purchase from selected shops.

Points To Earn: Some of the banks are providing the benefit of crediting some points for each purchase through credit cards. Each purchase will get some points and that can also use for purchases in future by converting each point equivalent to some amount.

Extra Bit Of Cash: Most important cons of credit card is it helps when you need an extra bit of cash. When you are lacking with some amount and you can’t take money at a sudden from anywhere, credit cards help a lot in this situation.

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Instant Loans: If you are a credit card holder then it’s very easy to get loans. There may come situations like it’s very urgent to get some huge amount of money and you don’t have it as savings, then taking a loan is the only thing you can think about. In this situation, banks may not be able to sanction loan in a short period. At the same time if you are a credit card holder they will approve within a day.

Cons Of Credit Cards

Unnecessary Purchases: The chance of purchasing something that is not needed is the primary disadvantage of having a credit card. The control over the online purchases will affect as we are having a credit card with enough money to buy whatever we feel like buying.

No Idea About Total Expenditure: We may not have any idea on how much we spent from the card and there is a high probability in spending more than what we plan. This will end up in getting a bill with huge amount. Once you realize that you don’t have a sufficient amount to repay the bill, it will be too late and the extra charges for late fee with interest will be very high.

Interest Rates: It’s not that easy to handle the bills of credit cards as it is having a high interest rate. Most of the banks are having an interest rate of minimum 10%. Once you fail to repay the amount within the target date, they will start calculating the interest on a daily basis and that will become a huge amount within a week. For common people, it’s hard to handle such situation and this will end up in taking other loans to repay the bill.

Read Also : How to secure bank account from hackers

The credit cards should be used with extreme planning. If you pay the bills on time, then you will get increased in ratings and the credit limit will get increased. Credit cards are helping us a lot in fulfilling our dreams like purchasing a mobile phone or a laptop when we need it and we are getting an option to repay the amount as EMIs. The bank will credit the whole amount to the seller and split the amount and interest to 12 or 24 month installments.

So, as a conclusion, make sure you are aware about the pros and cons of the credit card before you start using the same. More important is make sure you are purchasing for an amount that you can for sure repay within a month. Don’t fail to repay the bill in any case since they will charge interest on the amount which will be difficult for you to repay later. All we should keep in mind is that while using the benefits of credit cards, we should also keep in mind the consequences that are on the way. While choosing the credit for you, make sure it is one with the, lowest interest rate and is having the best offers among others.

July 13, 2024
How to secure bank account from hackers
We are living in an era which is a very high tech one and the technology is further growing at a rapid rate. Most of the monetary transactions happening in our country are through the bank accounts and today there are very few people without a bank account. A secure bank account has become a necessity in today’s world.

Even with the newly introduced policy of demonetization, there is a higher chance of us being completely digital so that we stop using hard cash for any purchase or anything. So in future the rate of direct use of bank accounts for all transactions will increase. And hence, everyone must have a well maintained and a secure bank account to meet his every day needs. But the advancements in fields like data mining etc…with the highly advanced technology, a major threat of these bank accounts being hacked has developed. The privacy and security of the monetary transactions that we make are facing a serious challenge due to the process of hacking. Very strict and well measured steps must be taken to ensure that your bank accounts are secured from the threat of being hacked.

Why is it important to secure bank account?

There are many obvious reasons that emphasize the need to secure bank account. The primary one is the fact that, the bank accounts are the place where our money resides. It actually deals with the real money and we cannot take any chance of risks when the point of our income is considered.

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Also, all our transactions that are done digitally using our credit or debit cards are through our bank accounts and hacking them might lead to serious issues by which all these options are misused. Hacking is an illegal way of extracting one’s personal data by using technology in a wrong way. Hacking our bank account has become a real headache for the users as well as the bankers. For us it is all about our money and integrity. On the other hand, for the bankers and other financial institutions, it is about their credibility and reputation.

Now a days, the hackers are targeting the potential users rather than the banks as it is easy to crack the personal computer network when considered to the large banking networks. So extreme and severe security measures must be taken to guarantee the security for our bank accounts.

Ways in which your bank account is misused or hacked
- The most common way by which the bank account will be hacked id by obtaining the personal details of a person and further hacking his/her mail account. Also if you forget to sign out of your personal mail account there is a higher probability of being hacked.Once the hacking to mail account is successful then the hacker might try to reset the bank account password and this will be successfully done as all these communications happens through the mail and it has already been hacked. This way your account might get hacked.
- There are some cases in which several hacking has happened because the user has deliberately shared his own account details with someone in the internet. People who get friendly with you over internet might be trying to get your secure bank personal information. Once being friendly and after establishing a tight bond with you, the account information might be shared by you and this leads to your account being hacked.
- Another way by which your account might get hacked is by obtaining your private details and IP when you click on certain links or reply to some spam mails. These might create some malwares in your system so that the hacker can keep track of all your transactions and secure bank personal information.
- There were also some reports about the bank accounts being hacked when the users gave their information and all important details to an official bank mail or a person who he/she thought a an authorized official from bank.
Top 12 ways to secure bank account and your personal details
1. One easy step to ensure a secure bank account is to constantly checking your account balance and reviewing your monthly statement. If you note unusual activity, you can immediately, take further measures.
2. If you make any bank transactions through the internet, make sure that you internet is safe and protected. You might have to enter your account details in many cases. So make sure your network is bug free to prevent account misuse.
3. Also when you open or reply to any links that might seem to be an official one from the bank proper observations must be carried out to ensure that you are at the right site and not replying to a trap. It is very important to secure your personal details as well.
4. The usage of your official and personal mail addresses should be very carefully done. It is easy to hack a mail account after obtaining all the personal information and using your mail account a hacker can easily reset your bank account’s password. Ensure that you do not open your mail at unsafe or unfamiliar places. If so, make sure that you have properly signed out. Read Also : Short term Investment Plans – Pros & Cons
5. Another way is to make your password very strong and not easily hacked. Make sure that your devices, internet browser and operating system are always updated.
1. Use applications that are available in plenty in the financial sector especially, which are provided by the banks to do every bank transactions in your mobile phones and avoid using public networks.
2. Make sure that you credit or debit cards are safe and if stolen then alert the authorities and take every precautions. Special care must be taken to block your account once you suspect your card or your card number is stolen.In this case immediately block your credit /debit cards.
3. Now a days, there are many banks which are prone to hacking attacks. Ensure that you leave your money with a very well reputed bank which takes every security measures and the latest softwares to provide high-tech security to its clients so that you can secure your money.
4. Ensure that for all transactions, you use official and authorized websites so that no malwares or viruses get into your system that might affect the security measures in the future.
5. Always make sure that you use the social networking sites to a limited way as some hackers might try to establish a relationship with you and extract your details.
6. Beware of all the personal information that you share over the internet. It will be easy to hack your accounts if a lot of information is disclosed in the web about you.
1. There are many cases in which hacking have happened as the user cannot properly memorize their PIN number. If you write it down or enter into your cell phones, ensure that it is safe
2. In case of security questions required to ensure authorized access, make sure that the questions that we select are the ones that cannot be easily answered and only the ones that you know.
3. Never Share your personal account details over fake calls pretending to be bank or fake emails asking for details in the form of lottery winning.
4. Never ever post pictures which contain your account details and personal information on any social medias.
Today as everything goes digital and smart, the usage of bank accounts for all day to day transactions are increasing rapidly. While it ensures that we need not use hard money, there is a high probability of hacking that leads to lose of our money. To protect your bank account, all possible measures must be taken. The usage internet and mails must be perfectly verified and monthly reports of account details must be made so as to ensure security and secure your bank account. Keep your account safe and make your money out of danger.
July 13, 2024