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AMEX Platinum Business FreedomPass Credit Card – Financial Independence for Small Businesses

Compared to other credit cards, as well as other American Express Cards, the American Express Platinum Business FreedomPass credit card actually gives you “freedom”. Though its interest rates are marginally higher, yet the freedom to use as many of the points earned whenever you want, wherever you want and on whatever you want sets it apart form the rest.

The AMEX Platinum Business FreedomPass also gives you the benefit of carrying a balance from one billing period to the next which you might not get in other cards.

The advantages of the AMEX Platinum Business FreedomPass credit card are multitudinous. To name a few, if you are an AMEX Platinum Business FreedomPass program member you will enjoy the benefits of a point based reward program without any additional charge. In fact, you will be awarded 5000 bonus points after your first purchase with the AMEX Platinum Business Card.

The point based system allows you to redeem for savings on any flight, hotel, car rental or cruise and any other travel expense imaginable. If some points could not be used, for your convenience they can easily be converted to cash rebates. There are no blackout dates and no travel restrictions with the AMEX Platinum Business FreedomPass credit card as there is no such thing as the expiry of the reward points.

You don’t have to spend a hefty sum in order to gain points; you are awarded one point for every dollar spent by you. Points can only be redeemed towards a purchase in 7500 increments, which is equal to a credit of up to $100, and they must be redeemed in a single request.

You don’t have to pay any annual fee and there is 0% intro APR for 12 months. The AMEX Platinum Business FreedomPass also has one of the lowest annual percentage rates of 12.99% for purchases on the cards where the balance does not accrue.

Paying the bill with AMEX Platinum Business FreedomPass is a cakewalk. You are spoilt for choices here, you can pay the bill in full each month or you can carry over the balance to the subsequent months. Using the Platinum Business FreedomPass is free of hassles and completely safe even if used for online purchases. You can track card spending and also get account alerts among the other benefits.

For recurring expenses like your wireless phone bill and insurance payment, you can use the card to automatically pay these routine charges which will appear on your billing statement. What’s more, you can pay them with one check instead of several and your AMEX bill pay is fee-free. To make you feel special the customer care is always there for you.

To add to the privileges AMEX Platinum Business FreedomPass credit card allows you to cash personal checks at more than 2200 American Express Travel Service Station locations, up to $ 10000 per account every 30 days and you may get up to $ 500 in cash and the balance in American Express Travelers Checks and if the card is lost it is replaced sometimes in as little as 24 hours.

Washington Mutual Credit Card Review (Page 1 of 2)

Washington Mutual is one of the largest banks of America and it offers an amazing variety of cards. The first and the foremost is the Washington Mutual Platinum Card which comes with instant approval so now you don’t have to wait for days to know the status of your application, you get to know instantly whether your application for a Washington Mutual Platinum Card is approved or not. As a measure of protection against the unauthorized services which are on a rise, the Washington Mutual Platinum Card comes with $0 fraud liability on unauthorized purchases so you don’t have to spend sleepless nights in case that happens.

Without any annual fee and discounts from popular retailers available online this card is hard to resist. The promotional balance transfer APR is as low as 0% for the first 12 billing cycles as it is the introductory period and after that the APR for purchases varies from 9.99% to 19.99%. The Washington Mutual Platinum Card also gives you a grace period of 25 days if the new balance is paid fully by the due date of the payment and the balance is calculated according to the method of the two-cycle average daily balance which includes new purchases too. With the Washington Mutual Platinum Card you are charged a minimum of $1 as a finance charge and 1% of each purchase as the transaction fee for the purchases that you make outside the U.S. and its territories. The Washington Mutual Platinum Card charges 3% for each balance transfer ranging from a minimum of $5 to a maximum of $75 and 3% of the advance i.e. a minimum of $10 is charged from you as your cash advance fee. If you are late in paying the bill, a late fee varying from $19 to $39 is charged depending on your balance and if you exceed your set credit line during any billing cycle an overlimit fee of $35 is charged from you.

The Washington Mutual Platinum Card also provides you with the unique and interactive Washington Mutual Credit online account management providing you an offer card whenever you visit the visit the site thereby increasing customer base and saving you from the trouble of searching and applying for a credit card.

Not very long ago the Washington Mutual took over the Provident Credit Card which was the erstwhile credit card giant and has grabbed up the ninth position in the credit card ranking in America since then and now it offers you three more cards to choose from one of them being the Providian Real Rewards Card. The Providian Real Rewards Card is different from others because it rewards you with points every time you use it and the rewards come in different forms thereby giving you freedom of choice. So with Providian Real Rewards Card you can use your rewards for purchasing flight tickets or as restaurant coupons.

Another card offered by the Washington Mutual is the Providian Cash Back Card which gives you cash back on any purchase you make thereby giving you ample opportunity to get your money back with each purchase made by you.