The emergence of the credit card service in the 1950s, was aimed to bring about immense convenience during the shopping experience of customers. The card can be used to make the purchase of goods and services, while the balance must be paid upon the arrival of the credit bill. In the recent years, the growth in the number of credit card companies has exploded. The healthy competition has led to them offering a plethora of deals through the different types of credit cards. However, how do you know which are the best deals credit cards to add to your portfolio? Here is a list of credit cards that offer the best deals in their segment.
Travel credit cards
Chase Sapphire Preferred® Card
Revered as one of the best travel credit cards, the Chase Sapphire Preferred® packs the best deals and large bonuses. What sets the card apart from the flock is that it enables one to earn in rewards in several locations. This credit card packs with it a sign-up bonus that is generated upon the purchase of $4000 in the first 3 months. Plus, every dollar spent on dining and travel earns the holder 2 points, whereas other purchases bring 1 point.
Bank of America® Travel Rewards Credit Card
The Bank of America® Travel Rewards Credit Card brings the best deals with the high rewards rate and no annual fees. For every $1 spent, one earns 1.5 points with each point being worth 1 cent. The credit card enables the holder to redeem the points for credit against travel purchases and the validity runs for up to 12 months. Plus, there is a sign-up bonus for grabs!
Cash back credit cards
Capital One® QuicksilverOne® Cash Rewards Credit Card
The Capital One® QuicksilverOne® Cash Rewards Credit Card can be hard to get as it is particularly reserved for people who have an excellent credit. However, it can be acquired by people who have a fair credit too. The credit card comes with an annual fee and lets one enjoy the best deals.
HSBC Cash Rewards Mastercard® Credit Card
One of the best deals for credit card holders, the HSBC Cash Rewards Mastercard® Credit Card offers not just an introductory bonus offer, but one every year of membership with the card. How amazing is that? The loyalty bonus is up to 10% of the rewards that were earned in the year.
0% APR credit cards
Chase Freedom Unlimited® Credit Card
The Chase Freedom Unlimited® is one of the most preferred credit cards among people seeking a card with 0% Intro APR. One can enjoy 0% Intro APR for the next 15 months after opening an account on functions such as balance transfers and purchase. Moreover, there is no minimum limit on the amount that one can redeem in the form of cash back. Cardholders can use the cash back rewards until the account is open and do not have to pay an annual fee.
Bank of America® Cash Rewards Credit Card
The Bank of America® Cash Rewards Credit Card offers a 0% Introductory APR for the first twelve billing cycles of purchase and the balanced transfers made in the first 60 days. Adding to the slew of best deals on credit cards, one can earn up to $150 online cash rewards bonus upon spending $500 with the three months of opening the account. Moreover, there is no expiration date on the earned rewards, letting the cardholder use the same when desired.
The financial needs of every customer are different. Thus, individuals should look for a credit card that offers deals best-suited to their needs. It is appropriate to closely understand the contract details, thus, being prepared for what is going to be in store. Analyzing all the features of the card will help cardholders in the long run.
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Your one stop solution for poor credit loans
Read moreIf you have a poor credit score, you need not worry because the following list of companies is willing to look beyond just your credit scores to give you a loan.
PersonalLoans.com: They are ready to offer loans in the range $2000 to $35000 and are open to all credit types. Services are available in all 50 states throughout the country with funding and approvals which don’t take more than a week, sometimes even one business day. The tenure of the loan can be from three to seventy-two months with interest rates are variable depending on the loan.
BadCreditLoans.com: Bad credit loans are willing to offer loans from $500 to $5000 with multiple lenders are offered by the company. Funding is very quick, and you can receive your money on the very next day. Loan tenure is from three to sixty months. Interest rates are variable depending on the loan.
SignatureLoan.com: They are willing to offer loans from $1000 to $35000 regardless of whether you have a good credit score or not. It can be used for absolutely anything from medical loans to emergency loans. The approval process is speedy, and they have a very large network of lenders. The term of the loan can be from three to seventy-two months with interest rates are variable depending on the loan.
Upstart: It is a new company founded by the employees of Google to help give out subprime loans to individuals with a poor credit score. It takes into account your income statement and career growth among other things and offers loans up to $50,000.
OneMainFinancial: They do not provide online services as compared to other similar institutions. You will have to go to their branch to avail their services, but this is not an issue as they have several branches in a number of cities. The term of the loan is similar to other companies mentioned above, and interest rates also vary based on your needs.
Do not be impudent in choosing institutions to borrow loans from. Carefully study all the terms and conditions before making a decision.
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Find the best talent online
Read moreFinding the right person for a job can be a challenge. Recruiters and HR professionals are responsible for the hire and must make sure the candidate is well suited for the role. This can be a tedious and tiring process since they sort through hundreds of profiles and resumes daily. Traditional methods are just not effective enough anymore, since more and more people are going online. Posting requirements on job portals ensures the best profiles are shortlisted.
Here are a few useful tips to make sure you post the best possible job requirement
The first task as a recruiter is to give a proper job description and the minimum criteria to be met by the desired candidate. Candidates who search online can then assess if they qualify the said criteria and apply for the job. Every job has certain prerequisites to be met in terms of skills, work experience, technical proficiencies etc. which in short summarizes the role. Posting details about the same ensures the requirement is proper and to the point, which makes the hiring process a lot easier.
Everyone is on social media and online job portals are very much aware of this fact. Major job sites are directly or indirectly linked to many social media sites which give s them access to a bigger target audience.
Studies show that candidates firstly look at the salary information, before even reading the desired profile. For the candidates, the role must also meet their financial needs comfortably. As a recruiter, the candidate must be sold on the job opportunity first and key details like salary information will just help increase you chances for an application.
As a recruiter, summarize the company’s vision and mission, broadly highlighting what the company does. Candidates prefer to know more about the company they are applying for apart from the job, they want to know what they are going to be a part of.
Job requirements should be detailed but also must be summarized to the point, so that it is easy to read and understand. Candidates should be clear on what they are applying for and where, there should be no misrepresentation on the recruiter’s part also. You must also ensure as a recruiter that the candidate should be able contact you directly if his or her application is shortlisted.
Following these tips will ensure you post the best job requirement to find your ideal candidate suited for the role, who will ultimately contribute and grow with the company.