Is Visa Black Card Better Than American Express Platinum?
, And is marketed as a credit card for Americans with excellent credit who want the benefits and prestige of having one of the most expensive cards in the United States. So if you pay $ 495 every year just to have this status symbol? How do they compare to the American Express Platinum Card, which has an annual fee of $ 450?Below I will list the main advantages of the Black Card Visa, and share with you my views on this credit card, and if it is a better or worse deal with American Express you get a% d introduction in April 0 on balance transfers for 6 months as a cardholder. That's fine if you want to transfer your card balances from other accounts, because for the first 6 months, you will not have to pay interest on the amount you transfer. After the first 6 months, the regular APR variable is 14.99% based on your credit score.You will get 1% cash back on all your purchases and earn points for airline tickets on an airline, no blackouts or restrictions. 25,000 points will earn the first $ 500 a ticket. Your cash back or points can be redeemed against cash rebates unlimited plane tickets, hotel stays, car rentals or exclusive events.
Access to airport VIP lounges. (The largest airport lounge VIP independent), but will give you access to over 600 airport lounges in over 100 countries worldwide.Though this looks good on paper, I do not think it's a great perk, the reason being that, after reading the fine print, I see you have only 4 free room visits each year with this free membership . On the other hand, the American Express Platinum Card gives you unlimited access to the airport lounge in the world!
The benefits unlike the American Express Platinum Travel (read our review of the American Express Platinum) that gives you unlimited access to the airport lounge, Black Card gives you only 4 FREE airport lounge visits each year.If you are not a frequent traveler, 4 free tickets per year may be enough for you, but if you travel frequently, you can find this service a bit limited.
Wilson: How to Save Money With a Rewards Credit Card Balance Transfer
Copyright (c) 2008 Ann Wilson
Do you know how a balance transfer credit card can save you hundreds of dollars from your credit card bills? Do you currently have trouble keeping up with your credit card balances? If yes, then a balance transfer can be exactly what you need.
Get a credit card balance transfer
What is a credit card balance transfers and how is it different from standard credit cards on the market? If you try to go around credit cards, you will notice that some credit cards offer 0% annual part of their introductory offer.The interest rate of 0% on purchases usually applies, but if you look closely at your choices, you will find credit cards that offer 0% on balance transfers. If you're lucky, you can even find a credit card that offers 0% for annual purchases and balance transfers.
Why should you take advantage of cards 0% balance transfer credit? Carryover balances for each of your billing cycle will increase your debt due to additional interest charges. With credit card balance transfer, you can focus on paying your fees origin without interest.Do the math and you'll realize how much you can save in interest rates on your existing balances only.
Striking the right balance card credit transfer
Does this mean that all cards balance transfer credit you agree? Note that different issuers of credit cards also offer a variety of terms and conditions. Naturally, you want to go with a company that will give you the best deals.
For example, how long the introductory period of 0% last? Never forget that the offer of zero interest is just a temporary option.Some companies offer as little as three months while others offer up to a year or more. Ideally, benefiting at least 12 months of the offer 0% interest should give you enough time to pay off your balance completely.
What is the interest rate after the introductory period? Is the interest rate still be reasonable when the introductory offer ends or will they soar? It is best to choose a card that will still give you a low interest, even after the expiry of 0% APR.
What is the interest on purchases? If the annual rate of 0% is limited only to balance transfers, how much interest will be on your expense?If interest on purchases will be expensive, you might consider using this card including balance transfers only.
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