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American Express Offers Exclusive Delta Reserve Credit Card

12:00:00 AM Friday, October 24, 2008 American Express Credit Cards

American Express continues to please its loyal customers with exclusive card offers for frequent travel rewards. Its latest product, co-branded with Delta Airlines, comes with a catchy "Delta Reserve Credit Card" name and aims at wealthy and creditworthy customers looking for incomparable travel experience. It cannot be referred to as a cheapest deal among the rewards type, but the price for the outstanding benefits and additional programs is more than acceptable.

The $450 annual fee and a competitive APR on purchases and balance transfers are charged for the exclusive access to the 24-hour Concierge Service, SkyMiles account rewards program and extended credit line. If you think you can find something better online, take a minute to read further and ascertain that American Express has not been overtopped.

Top card companies in the US strive for the greater market share and pay for new customers with expensive air miles, cash back and point rewards. But most of their rewards are either hard to earn/redeem or are not as generous as promised initially. Compare them with the new Amex travel card perks to get it clear.

American Express Company preserves its major advantage of focusing on travel rewards preferences regardless of the strained credit marker environment. Along with the lucrative airline miles rewards, its Delta Reserve Credit Card offers high-class worldwide travel services and protections. It makes travel safe, comfortable and times more enjoyable and memorable.

As an eligible holder of a Delta SkyMiles account you enjoy the ease and flexibility of collecting and using miles rewards, as well as access to additional travel services. Used at participating supermarkets, drugstores, gas stations or home improvement stores, Delta Reserve Credit Card accumulates two miles on every single dollar, as specified by the Always Double Miles® program. One mile is given for one dollar put on any other purchase paid for with the card.

If you have a friend or a relative with a valid Delta SkyMiles account, you can gift them some or all of your miles to be used in compliance with the travel rewards program. If you keep the miles, the newest feature introduced by American Express and referred to as "Pay-with-Miles", allows using the miles to purchase a flight with Delta Airlines. What you need is to accumulate the eligible amount of miles and book a flight at Delta.com, which has no blackout dates or any other restrictions.

Apart from direct application online, Delta Reserve Credit Card is obtainable through a balance transfer at an affordable interest rate. It means if you currently hold a high interest account with a different issuer, you can move the balance onto the Amex card and pay it off at a more favorable APR. Surprisingly, there is no balance transfer fee which depends on the amount of debt transferred. And you'll be able to save on the attractive purchase APR, as well.

Delta Reserve Credit Card is issued exclusively for high income customers with long payment history and solid FICO scores. Qualifying applicants get the status of a privileged bank customer with high quality services, appropriate benefits and best prices.

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NEWS about Credit Cards | >> View all News

Best Credit Card Rewards 05:15:42 AM Thursday, November 06, 2008

Banks and card companies cut their lending risk factor by either lowering credit limits, increasing APRs on some credit cards or by not approving applications at all. The slumping economy and credit crisis force lenders to curtail 0% APR offers, benefits and even rewards programs. Some card offers have already imposed restrictions on when and how rewards can be redeemed.
The good news is that there are still plenty of deals offering lucrative cash back, gas and miles rewards and you only need to apply for the right card now. The difficulty here is the rewards vary from card to card and to make the best deal, you need to compare offers and choose one based on your spending priorities and financial standing. The key is to make the rewards work for you.


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Credit Card Payment 04:56:31 AM Thursday, October 16, 2008

Most of regular unsecured credit card offers for valuable customers carry in-built benefits which are free from additional charge. The benefits include $0 fraud liability, extended warranty protection, 24-hour roadside assistance, auto rental insurance, free online account access and management services and others. Their cost is already distributed among the annual fees, if any; interest rates and other charges specified in the fine print and you do not mark it out making credit card payments.
But on receiving a statement, you might be confused to spot there a charge you did not authorize in fact. The charge, labelled as payment protector premium, is designed to cover you in the event you cannot pay bills for some reason.


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Card Charges 06:14:29 AM Thursday, October 02, 2008

While a whole range of charges associated with credit card use is not a surprise any more, the way they are sometimes applied may confuse a not too knowledgeable consumer. What hurts most is the consequence which might come up to a damaged budget at best and ruined credit at worst. The fine print is a great source of information on all the charges and terms they are applied under, but one needs to be financially educated to understand a point there.
If you're looking for a proper card offer right now, or you're already holding a plastic, the following information will be of prime importance for you, especially as the recent changes in the market require new and more rational behavior.


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