Let your credit card reward you
News from Washington Post:

For the conscientious consumer, credit card rewards programs are equivalent to free money. Sometimes, the perks sound too good to be true, and that’s because for many people, they are. Rewards cards only benefit you if you pay off your credit card balance monthly. “The interest rates are very high on rewards cards,” says Odysseas Papadimitriou, chief executive of credit card comparison Web site CardHub.com. “If you carry a balance, you’re going to pay more in interest than you’re getting in rewards.”

In recent years, credit card companies have upped the stakes, offering free flights or cash back bonuses for signing up. It takes time to find the card that’s best for your tastes. Do you travel often? Do you have a favorite hotel chain or store? Perhaps you prefer the flexibility of a cash-back program. There are cards for every preference, and the experts help us navigate the choices.

Before you apply

Know your score: The FICO score is the credit score most credit card issuers use when determining whether you qualify. You “don’t want to waste time applying for cards you can’t qualify for,” says Beverly Harzog, a credit card expert for

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Showdown: American Express Centurion vs. Visa Black Card
News from Fox Business:

Like a heavyweight fight in Las Vegas, the newest entrant in the super-premium credit card arena, Visa Black Card, challenges the defending champion, the American Express Centurion Card.

Last year, CardRatings.com talked with two entrepreneurs who carry the Centurion card to find out how they use the most exclusive credit card to manage their lives. One of these, Centurion member Don Sabatini, founder and CEO of Secret Entourage, a website devoted to entrepreneurship, decided to also get the Visa Black Card and compare the two. He shares his findings with us in an exclusive interview.

CR: What prompted you to get the Black Card?

DS: First off here is some background on why we got the card. Secret Entourage had been invited by the Centurion program to try the card at no cost, which made sense from a status standp…………… continues on Fox Business

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Intuit GoPayment

  • Receive a free card reader for your compatible Android smartphone
  • Avoid start-up costs, a long-term contract, and cancellation fees
  • 2.7% per card reader swiped transaction rate with pay-as-you-go pricing plan
  • Customers sign with their finger and a receipt can be sent by text or e-mail, so you can be paperless
  • Access your GoPayment account on your Mac or PC and accept, refund, and review credit card payments online
  • All transactions are secure and encrypted, unlike some card readers
  • Add up to 50 users to your account so multiple people can accept payments for your business
  • We’ve made it easier for you to get started by not requiring bank account information. The money you make with GoPayment can be deposited into your Intuit GoPayment Prepaid Visa Card account. You can conveniently access and manage your money online at www.gopayment.com, or use the GoPayment Card anywhere Visa debit cards are accepted – in stores, online, and at ATMs
  • GoPayment integrates with QuickBooks, making it easier to manage your finances
  • From Intuit, the makers of QuickBooks, Quicken, and TurboTax

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