This is the way it too often goes: A consumer is overambitious with her credit card, accumulates a worrisome amount of debt, and then looks to transfer her debt to a
It seems a wise move.
But is it really?
Sometimes yes; sometimes no. It all depends on the card you’re considering, the balance-transfer fee it imposes, and the balance transfer APR you’ll pay early on and over time.
According to Internet Retailer, a premier online business information resource, consumers spent $517.36 billion online at U.S. merchants in 2018, a 15 percent increase over the prior year. B2B online spending is also increasing, with one expert resource predicting U.S. B2B ecommerce will reach $1.8 trillion by 2023. What does this mean for you? If you’re not already doing business online, you’re leaving potentially significant revenue on the table.
Of course, developing your ecommerce sales channel requires a financial investment. But it doesn’t have to be a huge one. We spoke to Andy Barker, head of payments and digital experience at Magento, an Adobe Company, about how the leading provider of cloud commerce innovation is helping merchants drive business growth without breaking the bank.
Fast, simple and effective communication is vital to growing a business. After all, if you can’t talk and collaborate with clients, team members and vendors, the chances of growing your business begin to diminish. A company called Dialpad is offering a comprehensive suite of communications tools, incorporating the latest technology to make sure businesses stay ahead of the curve. Dialpad is the only AI-drive , cloud-native business communications platform offering voice, video, messaging and more. Krysha Nair, director of product marketing at Dialpad, spoke to RewardExpert about how it all works and how it can benefit companies big and small.
Debt is a four-letter word – it’s both “good” and “evil.”
Which one of those words it depends entirely on how you use debt. Use it judiciously for the purchases you can afford, and debt can be one of the best financial tools in your toolbox – allowing you to save money, accumulate travel rewards and miles, or to simply snap up a bargain when you find it if you don’t have the cash immediately available.
Capital One is strengthening its credit card rewards program by adding a popular United States-based airline to its growing roster of transfer partners: JetBlue.
Users of Capital One credit cards, such as the Capital One Venture Rewards credit card and the Capital One Spark Miles for a Business credit card can now transfer points to JetBlue’s TrueBlue rewards program.
Today, so many credit-card flavors exist that it’s hard to keep straight in your mind what each does. So, let’s take on one of the big comparisons: Mastercard World vs. Mastercard World Elite.
Clearly, the addition of the word “elite” means those cards come with additional benefits. But are they enough to really differentiate the card? And, at the end of the day, which card is really right which consumer?
If you are a millennial or know any millennials, then you know how important experiences are to this particular generation. One of the biggest experiences that millennials gravitate to is travel experiences. Being able to experience the different foods, languages, and entertainment of different cultures is exactly what millennials are looking for when it comes to what they spend their money on.
Starwood has integrated its Starwood Preferred Guest rewards program with Marriott Rewards and Ritz-Carlton Rewards programs and launched the combined brands under a single, unified name: Marriott Bonvoy credit card.
Which means all the existing Starwood Preferred and Marriott Reward credit cards are getting a makeover. As part of the process, the five existing cards (3 Starwood American Express Cards and 2 Marriott Chase Visa cards) are shrinking into just three cards.
As doing business becomes an increasingly globalized undertaking —whether you’re merely selling and shipping goods overseas or have an actual physical presence in multiple countries— multilingualism is also increasing in importance. In some cases, a multilingual workforce can even mean the difference between engaging new consumers and growing your bottom line or watching your brand’s reputation slowly wither away on the vine.
RewardExpert spoke with Ozge Ozcer, business development director at busuu, the world’s largest community for language learning, about how the company is helping global businesses improve customer experience and increase sales.
A functioning and easy to use website is critical for a growing business. While the task of building a website for your brand may seem like a daunting and expensive undertaking, there is a way to create wonderful, personalized websites for free without having to be an expert coder. An Israeli company called Wix is helping do just that. Matt Rosenberg, public relations and communications manager for Wix, spoke to RewardExpert about how it works. “It’s really saving you time and letting you run your business,” he said.
Without doubt, the Chase Freedom card is one
But Just how big a hindrance is the Chase Freedom foreign transaction fee to what is, otherwise, an excellent credit card?
As American author Stephen King once said, “Books are the perfect entertainment: no commercials, no batteries, hours of enjoyment for each dollar spent.” But what if you’re flying off on vacation and forgot your book at home? Or maybe you’re driving across town –or across country– and can’t safely read? In these cases –and many others– audiobooks are the perfect answer.
RewardExpert recently spoke with Jemma Wolfe, marketing communications manager at Audiobooks.com, about the audiobook service’s history and subscription platform as well as her recommendations for the best personal finance titles to listen to the next time you need a little entertainment.
It’s critical for merchants to accept online payments in an easy, clear and precise way. After all, providing
Executive Vice President and General Manager of North American Business, Joe Myers, spoke to RewardExpert about the advantages of using the company for all your payment needs.
If you visit a website, chances are you will be shown an ad for a site you visited previously. Did you ever notice that little blue triangle in the corner of internet ads? That’s the AdChoices symbol, and it means that the advertiser is part of the AdChoices program – a program set up by the non-profit Digital Advertising Alliance (DAA) to help companies self-regulate internet ads. Lou Mastria is the DAA’s executive director. He spoke to RewardExpert about the organization, which was set up to help enforce privacy practices and provide consumers with enhanced transparency and control over internet ads.
The Citi Rewards Plus card offers one of the more-unique cardholder benefits: A minimum of 10 bonus points for every purchase. But is a gimmick a reason to get a credit card? Or is gimmick truly valuable?
Easy to integrate. Scalable. User-friendly, robust and feature-rich. These are the words every business owner wants to hear when evaluating digital security solutions. Unfortunately, most providers offer products and services that fail to live up to that description.
Not so RSA. A Dell Technologies company, RSA offers business-driven security solutions that are exactly that. The company’s suite of services helps organizations grow and thrive despite ever-increasing and evolving digital risk. RewardExpert sat down with Peter Beardmore, director of digital risk solutions and RSA spokesperson, to learn more.
So, Apple is getting into the credit card business with what it calls a truly game-changing take on the credit card. But is Apple’s claim that the card has no hidden fees accurate?
Well, no!
In fact, Apple might well have announced the most-expensive hidden fee in the history of credit cards!
In today’s fast-paced digital business environment, data breaches happen daily and can be devastating to an organization’s reputation and revenues. Some of the biggest in recent years include a data breach at Marriott International (which impacted 500 million customers), Equifax (which exposed the personal information of nearly 148 million customers), and Uber (which left 57 million customers and 600,000 Uber drivers vulnerable to identity theft).
RewardExpert recently spoke with Donald Hasson, BeyondTrust’s senior director of product management, about how the company’s privileged access management (PAM) portfolio can help other businesses reduce their risks of a data breach with simple to integrate solutions that enhance user productivity and maximize IT security.
Whatever your business, the experience you provide consumers is central to your success. Companies that find ways to improve that experience often outshine the rest. RewardExpert recently spoke with Entrust Datacard CMO Karen Kaukol about the organization’s solutions and how businesses around the world are using them to improve service, create trust and increase revenue.
If you’re reading this, chances are you have too much debt on one or more high-interest-rate credit cards and you’re looking to consolidate all or some of that debt onto a credit card with no balance transfer fee from American Express or another credit card with
Here’s what you need to know about an American Express balance transfer.
