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Auto loans

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Jun 132023
 

Each and very person keep a dream to purchase car and also day by day it has become a necessity in everyday life. But for the purchasing a good car you required good investment which is both for you and your family. But it also depend on you that how much you are willing to afford to fulfill your dreams? But some time just looking at the good model or with out consideration of future we invest on cars which effect on are finance.

But know with the help of auto loans it has become easy to purchase the vehicles
Because many financial institution, like banks & credit unions had made the facilities for customer of online auto loans also which is very much time saving & convenient for the
People how having tithe schedule & keep in mind that applying for or ordering any thing online is usually a smarter choice.

When ever you step forward in the car market, you will find that there are many car dealers who are trying you to attract with best possible deals. But here, your job is to find the best among the better. You should always try to select only that dealer which benefits you the most in terms of price, discounts, accessories and car insurance.

The biggest mistake which people generally make while going for a car loan is that they go directly for car loans with out considering or without checking it online auto loan rates which are available to them at free of cost on many of the loan websites. These rates are very much helpful as you can compare them to find a car loan financing deal which one is more suitable for your requirements and the circumstances. Car loan financing are available to all types person like business men, employed and also for those how have bad credit etc.


The auto loan is the source for those how are willing to fulfill there need because it does not matter that how much you make & how much you spend.

Kindly visit our recommended website http://www.4freeautoinsurancequote.com/ for the future details

Personal consolidation loan-Consolidate your debts and your worries

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Jun 122023
 

Debts threatening f inancial equilibrium? Shake off the debt burden with a personal consolidation loan. When in debt taking out another loan appears to be an option, but the best option for reducing or eliminating debt is a personal consolidation loan. A loan taken at lower interest rate is the simplest option to pay off all the high interest debts.
With a personal consolidation loan, one can merge all personal debts into one single loan and deal with just one lender instead of several. An expert will effectively calculate debts and suggest a loan amount depending on the individual’s financial situation. A personal consolidation loan helps save a lot of time and money. It marks an end to creditor harassment. Interest rates are much lower when compared to interest rates of your previous loans. There are a number of lenders who provide free debt consolidation advice to help people get rid of debt. With a personal consolidation loan it becomes relatively easy to repay debts and become debt free in the shortest time.

A personal debt consolidation loan is the easiest way t organize bad debts. Individual’s can avail a personal debt consolidation loan in secured or unsecured options. In case of large debts, secured consolidation loan will be beneficial because it comes with security provided by the borrower. Security maybe the form of property like home and depending on the strength of the collateral, a larger loan can be borrowed at low interest rates. But they bear risk of repossession by the lender if the borrower fails to pay back the loan.

When dealing with small debts, an unsecured personal consolidation loan helps. It is offered only on the basis of borrower’s credentials and does not require collateral. However, unsecured personal consolidation loans imply a higher interest rate. They are a safer bet although they come with higher rates of interest. No time is wasted on property evaluation and other paperwork and also the option of unsecured debt consolidation is open to homeowners or tenants. Because of the benefits attached to it, unsecured debt consolidation loan is an increasingly popular option.
There are numerous options for personal consolidation loans online but one must ensure that the loan option chosen matches their personal circumstances. With one wise choice, one can bury bad debts in the shortest time.
Visit www.personal-consolidation-loan.co.uk
for the best personal consolidation loan deals.

UK remortgage loan Remortgage loans to save your money and you!

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Jun 112023
 

A remortgage is an important financial decision and sufficient research is essential before applying for it. A remortgage lets you switch from the earlier mortgage option to one which offers you a better deal. A remortgage will help if exorbitant interest rates are a cause of worry. It will reduce monthly outgoings and help in debt consolidation as well.
Remortgages will also help raise additional finances by releasing equity on property. Individuals can choose between a remortgage loan deal from a different lender or change the existing deal with their lender depending on the offer. A remortgage helps consolidate all existing loans into one single affordable monthly payment and reduces outgoings. A remortgage loan is ideal for homeowners who want to raise money for home improvements, buy a car or need finance for any personal circumstances. Thinking of adding that extra room or buying a new car? Go ahead and apply for a remortgage loan.
Due to the relatively simple, flexible and risk-free nature of a remortgage loan, it is an increasingly popular option. But before choosing a remortgage loan, it is important to review one’s current mortgage. When considering a UK remortgage loan, check the current interest rates and opt for remortgage when the interest rate drops at least 2% lower than current interest rate. Largely controlled by Bank of England base rate, there will be fluctuations in variable interest rates of mortgage which one must look out for. Individuals also need to consider how long they are planning to stay in the house. This is because they need to stay long enough to recover the costs of remortgaging the home loan.

Quite often, remortgage is an option for anyone who wants to cut costs in their mortgage deal. It is possible to save up to £100 to £200 every month depending on the remortgage deal. It has also been seen as a way of consolidating debts and reducing monthly outgoings.

The simplicity of remortgage is surprising! The whole process does not take longer than 4-6 weeks. A remortgage loan helps revamp your mortgage deal to the individual’s convenience. One might have to bear an arrangement fee from the new lender but most lenders will be willing to pay a part of or all the legal fees. Redemption charges are a percentage of loans paid or interest rate for a few months and it is left up to individual’s to decide whether they are ready to pay redemption costs. Remortgage loans are a cost effective option even after having paid all the fees.
The best UK remortgage loan deals at www.uk-remortgage-loan-direct.co.uk

Restore your financial confidence with a personal loan of your choice!

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Jun 102023
 

The choice of a personal loan requires a lot of research to determine whether it is indeed the right choice. Securing the best personal loan deal is not an easy task. With ample amount of research and persistence one can easily secure a personal loan best suited for individual circumstances. One could begin by reviewing family funds to determine whether monthly repayments will be affordable and the amount of savings. To secure a personal loan remember to:

1) Try to opt for a secured personal loan: Firstly, secured personal loans help secure higher loan amounts. Secondly, the loan amount comes with lower interest rates and with flexible repayment options.
2) Get maximum free quotes before choosing a deal: Let lenders compete for the personal loan deal. Determine the best deal after a quick and effortless market survey.
3) Research online: Get all the information you can to make the best informed choice. The internet is a great source to begin a search and get relevant information on personal loans. Access all the relevant information from the confines of home or office.
4) Ask questions: Before finalizing the deal, enquire about the current interest rates and the best deal.

A personal loan could be used to buy a house, car, take a luxury holiday or to consolidate all debts. Personal secured loans are the best option for homeowners who want to borrow large amounts with longer repayment terms. These loans enable the individual to release the equity on their home and raise extra cash. When in need of a personal loan for a large amount to be repayed gradually over a period of time, a secured personal loan is the best choice.

Personal unsecured loans could be beneficial for both homeowners and tenants. They do not require collateral but come with high interest rates and strict repayment terms. When there is a need of quick cash with the confidence to pay off the loan in the shortest time, an unsecured personal loan would be the right choice. Borrowers need to read the fine prints of the documents for unsecured loans. Rates are advertised by the lenders through APR’s (Annual Percentage Rate) and this helps compare different deals offered by various lenders.

There are many factors that must be considered before choosing a personal loan in UK. APR is the best ways to compare various loan deals but remember that the APR advertised is actually the average APR of all the loan amounts available. This means that different loan amounts have different APR’s.

Restore financial balance and confidence with a personal loan. It is easier than ever to get a personal loan today! It makes sense to shop around and find the best personal loan deal.

Want to be assured of the best personal loan deal? Visit personal-bank-loan.co.uk

Keys To Selling Your House In The Competitive Market

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Jun 092023
 

You have spent your bucks for building energy-efficient, environment-friendly, durable and disaster resistant home, and all of it for a competitive price. How do you plan to sell it? Even a product with all these virtues doesn’t sell itself. It takes much of creativity, enthusiasm and a lot of effort even to sell a high-performance house. Based on the study of homebuyers’ market performances, one can analyze how to properly market their homes to consumers.



Marketing your house effectively means first getting an overview of all the elements involved; then fitting the pieces into their proper places. Your best strategy is to place your house on the market far enough in advance to attract a prospective buyer. Planning a selling strategy means looking at all the elements of selling your house and putting them in their proper places. Then you can move easily from one step to the next.



Customers usually care about cost, health, durability, and comfort. Basically, freshness, neatness and good working order are the chief keys to top sales appeal. Your ideal goal is to show the property in “move-in condition”-without a thing to fix. Based on the experience of experts and practitioners, below are listed five keys to selling homes to consumers.




    Knowing Your Audience


    The first step to marketing anything is targeting the most appropriate audience. The effects of house-price changes on total consumption and consumer welfare obviously depend on the demographics of the economy. One thing that is certain is that although individual groups—notably the old, the young, and renters—may experience significant changes in their wealth, the overall change in wealth may be small, since the individual effects may, to some degree, cancel each other in aggregation. A proper survey on consumer preferences related to home buying by breaking the market into different segments is essential to start your marketing process.

    Entering into Partnership Programs To Strengthen Your Case


    Consumers usually do not tend to believe independent claims of the house owner or builder. You can back up your claims by working with some of the many sponsored programs to acquire certain certifications and improve the performance of the housing. As energy prices continue to rise, homebuyers who invest in sustainable, high-performance construction today will find competitive advantages when selling their property.

    Selling Benefits, Not Features


    A generic survey suggests that consumers in general aren’t interested in hearing about technologies or products as much as they want to hear about their benefits. In terms of selling your house, translating the quality features you’ve added to your house into advantages that customers will gain from, is beneficial for marketing your asset.

    Finding And Emphasizing Cost Savings


    Cost is the one benefit consumer’s care about a hell lot. Adding features to your home that compel the consumers to find a cost benefit out of the deal has proven to be an effective marketing tool. Since a house is both an asset and a necessary outlay (we all need to live somewhere), house-price increases do not make a typical household richer. In other words, changes in house price have limited effects for a typical household and for the overall economy. The distributional effects, however, can be large.

    Educating Buyers and Staging The Home


    Once you attract consumers’ attention, it’s important to educate them on the home’s added benefits. Ultimately, marketing a home that meets standards is about demonstrating respect for the consumer and the environment.



There are many effective ways to reach out to the homebuyers. Getting positive comments from the press equates to lots of free advertising. Increasingly, consumers are browsing the Internet to increase their knowledge about housing issues. Sell your house by taking innovative approaches to market your property. A proper marketing strategy and correct pricing will undoubtedly bring prospective buyers to your doorstep.

Renting A Car In India- A Logical Decision

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Jun 082023
 

Every so often it is suitable having readily available auto, when and where one needs it, paying for its use only when one uses it, selecting from models of various sizes, makes and, not caring about maintenance troubles. Such traits make rental cars a popular mode of transportation. Many auto rental companies lend cars for hire to its customers. Several companies have their offices with wide networks covering airport areas, and all major cities. Some small auto rental companies have their business confined to their local neighborhood. Rent-a-car dealers have diverse classes of vehicles to offer to their customers, from economy, compact and mid-size to full-size four door luxury cars with air conditioning radio and auto- transmission and power steering.

In a country like India, car rental companies normally recommend 2 kinds of rates: one is the daily rate with a mileage charge, and a rate that includes free mileage, another rates per kilometer and the last one are the weekly rates, also, are available. One should always keep in mind that specific rates vary from city to city.

Often rates are also based on a round the clock duration with a one-hour grace period. In case if a tourist wants to keep the more than eight hours after this period, it could be quite less expensive in order to keep it another day, since hourly overtime charges may be high. At times there are rates such as weekend specials, which are only available during certain time periods. Thus the rate you pay may change in case if you keep the car ahead of that time.


Comparison of rates of different firms is also very important for picking up a right deal. Checking different plans offered by each company and finding out the most advantages is something everyone should do religiously. In order to find out which type is most beneficial for you, you must consider how long you will want the car and the approximate number of miles you plan to drive.

After that add up the cost both ways in order to find the plan that will save you the most of the money, still offer the services you need. In any comparison an important consideration is the cost and it is to just make sure that you are comparing similar types of cars, comparable insurance coverage and other personal considerations including drop-off rights. Therefore, it is always a good idea to be cautious and to confirm out any company that advertises a rate that appears to be idealistically less.

Art Master Mirek Klabal: your guide to buy the art masterpieces!

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Jun 072023
 

Art has different meanings for different people. But one thing is common for all; everyone loves and appreciates good art. Again good art also holds different meanings for different people. Well, it all boils down to individual choice and selection. So, if you want to buy a piece of art then you must know whom to approach. Yes, the art master is the best guide for you in this matter. Mirek Klabal is a New York based art master and dealer who has been helping people by showcasing the best art and helping them in buying them.

The art world is infested with fraud art masters and this is exactly why you have to make a proper selection when looking for a reputable and knowledgeable art master. So ask many questions about the art dealer before you set about buying a piece of art from the dealer. Dealing with Mirek Klabal means that you are tension free during every step related to the purchasing of art.

Mirek Klabal has art galleries located in New York, which has a huge collection of art masterpieces. If you are looking for Chagall, then Mirek Klabal has a huge collection from which you can buy. He has a huge collection and so you must be wondering why on earth someone would share his or her collection of Chagall. Well this is where Klabal is different and way ahead form all the other art maters and dealers who are working as art dealers.

Klabal firmly believes that sharing things with others, whether its art or any other thing, is a source of great joy. He is one person who believes in really doing what he feels, not like other art dealers who say great things buy fall shy of actually executing it. Just make sure that you make a wise choice and do not fall prey to fraud art masters and dealers while buying a piece of art.

You must be very careful when buying Chagall or any other art masterpieces due to the presence of a large number of fake art pieces. Well, it is so easy to get duped if you do not posses proper knowledge about the art masterpiece that you are purchasing. You may think that you have made a great bargain and deal only to find that the piece of art is absolute fake. Leaving aside the monetary loss, you will feel cheated and hurt if you do not get the original piece of work done by your favorite artist, so take great caution beforehand.

Art master Mirek Klabal is a great source for you to go to buy the kind of art that you have always wanted to possess. Mirek Klabal works in conjunction with different art dealers and mostly works towards selling masterpiece art to customers. He is a great person to go to get advice from about whether or not another art dealer is a fraud.

Cash Back Credit Cards Offer Equal Benefits

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Jun 062023
 

Cash back credit cards are becoming more common as more and more merchants and retailers accept credit cards as a form of payment. Although cash back cards might seem like an altruistic move by card issuers, the reality is that these cards generate significant profits for them. But the truth is that these cards also provide the significant opportunity for cash back rewards and rebates, offering potentially equal benefits for all parties involved.





Thanks to the growing resurgence in online business (and thus the growing resurgence in online credit card transactions), the market is seeing a variety of new, individualized credit cards unprecedented in history. And, in keeping with the online retailing trend, one of the most prevalent of the new credit cards is the cash back credit card. Cash back credit cards work on a very simple principle: when you shop–using your cash back credit card–at certain targeted retailers or stores, a portion of the money you spend comes back to you, either in the form of a credit to your account or a check (or in some cases a gift certificate to a particular retailer.) Although the rewards are fairly small, the money you get at the end of the year amounts in some ways to a free gift from the credit card company: a way of saying “thanks”. How generous the card issuer is, right–altruistic, even?





It’s a bit more complex than that. Cash back credit cards can only function as a promotional mechanism for the card issuer and can only offer them as an incentive for increased purchase activity. You might think that the company just doles out these rewards from the money that cardholders inject into the company in the form of monthly interest, annual fees, and such, or simply from the credit card company’s cash reserves. But that’s not usually the case. The money that returns to you when you use a cash back credit card at a retailer wasn’t originally your money, or the credit card company’s money. It comes out of the retailers and merchants pocket where your transactions occur.





If you’ve ever had a credit card turned down at a restaurant or retailer because they don’t take your particular credit card, here’s why: in order to process credit card transactions, retailers pay a small percentage of the purchase amount as a fee that is payable to the credit card company. These fees are a significant profit center for the card issuers who have figured out how to co-op increased purchase activity be sharing a percentage of the merchants transaction costs with the cardholders. Ingenious, isn’t it?





If a credit card company has a cash back credit card that offers 5% of your money back on all gas purchases, you have a real incentive to buy gas from your local station more often and to buy it on credit. This means that the credit card company benefits, first because you’re using their services more often (and thus accruing higher balances), and second because every time you use your card at a gas station, the station pays right along side you.





However, this is not a bad deal for the gas station, either, since more cardholders are frequenting their station and buying more gas, only a percentage of the price of which goes to the credit card companies. This means that they’re more likely to deal with that particular credit card company, since doing so is now a powerful source of revenue for them (as well as a slightly more powerful source of expense.) And finally, once cardholders get their cash back, guess where they’ll probably take at least a portion of it, using the freshly-added credit on their cash back cards?





It’s a clever, yet symbiotic relationship. But everyone in the cash back credit card circle seems to benefit. The credit card company and the gas station generate more business, and the individual cardholder gets essentially a discount on purchases in the form of cash rebates or rewards. While the cost of these programs for card issuers will likely increase as more cardholders begin to understand and utilize these card products more effectively for their personal gain, the popularity of cash back credit cards with consumers is not likely to wane anytime soon. While not entirely altruistic, for everyone in the cash back benefit loop, cash back cards still make sense.

How the Internet Revolution Impacted the Evolution of Office Supplies

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Jun 052023
 

Just a few short decades ago, the term “office supplies” referred to any generic supplies used on a regular basis in an office/business environment, such as paperclips, pens and staples. Maybe you’d be able to find a few desks and chairs hanging around to catch the eye of discerning customers. You could walk down the block to your neighborhood shop and pick up some packing tape and a few rolls of paper for your adding machine. But now, “office supplies” refers to an entire genre of products including a wide assortment of desks, fax machines and personal computers, including any and all well-known accessories, plus dozens that you’ve probably never even heard of.

Office supply stores have also taken on the role of meeting supply stores, offering visual and audible devices such as CD and DVD players, plasma and LCD televisions, as well as combinations of any of the above. Multi-media projectors and dry erase boards make it easy to show your assembled group your plans and ideas for the future while integrating their ideas into the mix.

So what exactly caused the expansion of the office supply industry? Superstores began popping up around the globe, offering a variety of products never seen in the neighborhood shops, but were seriously lacking the personalized customer service that the smaller stores became known for. In order for the neighborhood stores to keep up, they had to venture into the unknown waters of the extended office supply industry, including software, printers and fax machines.

Next came the Internet revolution, making the biggest impact to date on the entire office supply industry. Not only can you purchase every possible office supply, both in the traditional and modern genres, but also you can do it without ever having to leave your home or office. Personal service also came back into the limelight.

Of course, with the many positives that the World Wide Web has brought with it, there are just as many negatives. First and foremost are the threats of identity theft and other security issues, like someone gaining access to your credit card or bank accounts. In order to protect yourself and your finances, be sure that your online office supply shop is a secure site, proudly displaying a security seal for potential customers to see and feel safe while shopping.

Another negative of e-commerce websites are the shipping and handling charges that can significantly add to the cost of your office supplies. While the shipping charges will usually reflect a nominal fee, the handling fees can be outrageous for doing nothing more than sending a package through the post. Free shipping for a minimum purchase, typically no more than £40.00, will assure you that your internet shopping purchase remains the great deal that you originally found.

MLM Training – The Secret to Being an MLM “Natural”

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Jun 042023
 

Saying the right thing at the right time with prospects can either make you a lot of money or cause you to lose money in your network marketing business. Continue reading to learn the MLM training techniques I teach my downline of 56,000 people so they know how to become a “natural” when talking with prospects.

In this article I am going to take your MLM training to the next level when it comes to effectively communicating with your prospects. That next level is for it to become “natural” to you as you speak with people about your MLM business opportunity.

There are several definitions for the word natural and it is very important that you know which natural I’m referring to.

1. Not acquired; inherent; born with. THIS IS NOT THE NATURAL I’M TALKING ABOUT.

2. Free from artificiality, or inhibitions. THIS IS THE CORRECT ONE.

Definition one is referring to something that one is born with such as blue eyes, seven feet tall, etc.

Definition two is that you can rattle off your address without thinking about it. Natural, as in the way you know a favorite song. Or something you’ve said or sung many times.

Okay – so how is it you know your address? My guess is, you moved in, you got your address and you had to do an address change with the post office. You pulled out the piece of paper your new address was written on and you reference it several times to make sure you wrote your new address correctly. Then you wrote it on a FedEx envelope and remembered it all accept the zip code – hmm, is it 92105 or 92150? You find out and now you have it.
If you never wrote it again you’d perhaps forget it again, but if you use it frequently you “just know it” – and you are certain you know it.

By the way…how is it that you know that the name goes on the first line, street address on the second and city, state, zip on the third line? That’s the formula it goes in…right?

For inviting, to be natural and sound natural you must smoothly and correctly transition from one part of the “Inviting Formula” to the next. By the way, the “Inviting Formula” is taught in great detail in a CD set I authored called “Professional Inviter,” but for reference in this article the Inviting Formula is:

Greet
Qualify
Invite
Handle any Questions/Objections
Close to Action
Follow-up or Follow through

So when you’re talking about your MLM business or a product you offer, the trick to being a “natural” is to know exactly when to transition to the next step in the “Inviting Formula.” Like from Greeting to Qualify.

When you don’t greet long enough, you don’t get a prospect who will give you their need/want. Greet too long and your prospect feels you’re wasting his time and will hastily get off the phone with you.

You have to recognize the exact moment when the prospect qualifies for your MLM business opportunity. Example: When the prospect says, “I’m sort of sick working for someone else.” When I hear this I know they qualify to be in my business.

Or, if you’re listening to see if the prospect qualifies for your MLM business and the prospect says, “I don’t remember signing up for anything; why are you calling me !$&+$!” – then I know they just disqualified themselves from being in my network marketing business.

To truly be an MLM natural, you have to know the rest of the Inviting Formula and know when to make the transitions, but the good news is that the others are much easier to recognize compared to “Greet” and “Qualify.”

If you can master learning when to transition for “Greet” and “Qualify” you will really be able to tell a difference in your ability to have meaningful conversations with prospects about both your network marketing business or your products or services.

So just how do you get good at these transitions?

Two ways I know of:

1) Invite over and over until you can “sense” it. Like letting the clutch out on your car – the first few times are rough. I recommend you drill the “Invite” for MLM business prospects and then drill the “Invite” separately for product or service sales. I don’t recommend you invite your prospect to look at your business and your product/service in the same conversation.

2) Another way is to listen to someone else do it and then model what they do because very often prospect’s responses are similar.

To help you learn how to make the transitions and what to listen for I have provided some sample transitions below, along with each step of the Inviting Formula. These are transitions I especially listen for when I’m trying to determine if the person qualifies as an MLM business prospect.

1) Greet – Get someone who will talk freely and openly to you.

Example transition: “Yeah, I requested more information because I’m looking to open my own business and I’m just looking around to see what’s out there.”

2) Qualify – Find out their needs/wants/don’t-wants (as it relates to you business).

Example transition: “Well, I just know there’s more out there. I’m sort of sick of working for someone else. I just want to be able to enjoy my life without always having to punch the clock.”

3) Invite – Based on relevant information gathered in Qualify.

Your prospect doesn’t have to give you any information here. But, depending on how they respond to your invite will decide if you move straight to “Close to Action” or if you do Step 4.

4) Handle any Questions/Objections – Handle the things that are stopping them from getting what they’ve stated they need/want/don’t-want. Remember, your business or product/service MUST be a solution to the person’s need/want/don’t-want.

Example transitions: After you’ve handled an objection and they use words like, “Yeah, I can see that.” “Yeah, that makes sense.” “Hmm, I’ve never thought of it that way.” “Well, it’s really not a big deal to me…I’ve just heard that.”

5) Close to Action – Create agreeable steps to move them towards getting them what they’ve stated they need/want/don’t-want.

Example transitions: Anything that indicates they need to get off the phone. “I need to be hitting the sack.” A child trying to talk to them. “It’s been good talking to you.”

6) Follow-up – Re-contact them to determine their interest level as it pertains to your MLM business or product/service.

Example transitions: Anytime they suggest that they can’t talk right now. Or if you’ve closed to action. “Now’s not a good time.” “You’ve caught me at a bad time.”

Doing The Math on Credit Card Rewards

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Jun 032023
 

With the increasing popularity of credit cards in America, it’s no surprise that credit card companies and banks continue to flood the market with all manner of cards–rewards credit cards, cash back credit cards, 0% APR credit cards–all in an effort to appeal to as many potential cardholders as possible by offering a wide variety of incentives for use. The major problem with the strategy, however, is that there’s often little explanation of exactly how credit card rewards work in their respective programs: what’s the difference, for example, between cash back cards and rewards credit cards? And which card will, in the end, save you more? The variety and sheer number of rewards programs leaves some potential cardholders confused about the actual market value of their “points” values.





The most prevalent credit card rewards plans out there today fall into two different categories — percentage-based rewards and points-based systems. The former offers a percentage of your money back on purchases in certain targeted categories, most commonly gas, travel, and in some cases entertainment. The latter offers a series of “points” for all purchases made, which can eventually be redeemed for reimbursements on various expenses, most commonly travel. The percentage rewards plans are fairly straightforward (except for a few obscure snags, such as how your cash actually gets back to you and how much you can earn in any given year through credit card rewards), but in the case of “points”, it’s often difficult to determine exactly what you’re getting for your purchases using a points-based rewards credit card.





But in the end, it all comes down to the numbers, specifically the math formula used to calculate the rewards. A good percentage-based rewards credit card will offer anywhere from 3-5% back on targeted purchases (again, commonly gas and travel.) If you spend $1,000 at the pump in a given year (which, with current gas prices, is a pretty low amount to spend on gas in a year), you’ll earn $50 back in rewards at a 5% rate. For a year’s worth of gas purchases, $50 isn’t a huge amount of money, but it’ll fill you up twice and it’s certainly better than nothing.





Compare this to “points” systems. One points system (from Chase’s Free Cash Rewards Visa) offers a rewards rate of 2,500 points for $25, with one point earned for every dollar of purchases. That’s only a 1% rate of return on the money you put into the card. Certain airline credit cards offer a slightly better deal, such as American Express’s Blue Sky, which allows you to redeem points (again, one dollar per point) in 7,500 increments for a $100 reimbursement on travel expenses, meaning about a 1.3% rate of return. Again, even a low rate of return can help to offset any expenses you may incur, and can make certain purchases essentially free. But 1.3% versus 5% — you do the math.





On non-targeted purchases, points systems and percentage rewards credit cards even out, since most percentage reward cards offer a 1% rate of return on the majority of non-targeted purchases you make. And the “points” cards can offer a few incentives that a percentage rewards credit card can’t, such as bonus points on sign-up, anywhere from 1,000 to 15,000 and up (depending on the value of a given points system, of course.) But, assuming that you frequently purchase the targeted items on a percentage rewards credit card (and who doesn’t make frequent gas, travel, and entertainment purchases?), you’ve got a slight edge with percentage-based rewards programs.





Check all of the fine print and consider your specific purchasing needs, of course, but remember one of the first rules of finance: when dealing with credit card rewards, always look at the long term and make sure to do the math.