Credit Union vs. Bank: What’s the Difference? - FOX13 Memphis

Credit Union vs. Bank: What’s the Difference? - FOX13 Memphis

Credit Union vs. Bank: What’s the Difference? - FOX13 Memphis

Posted: 08 Oct 2020 07:26 AM PDT

3. FDIC vs. NCUA: The Federal Deposit Insurance Corporation (FDIC) provides insurance for individual deposit accounts at banks up to $250,000. No matter what happens, at an FDIC-insured bank, your money will be safe up to that amount. The same goes for the National Credit Union Administration (NCUA), which also provides $250,000 of coverage for accounts at credit unions.

How our cruise writer got $4,456 in value from his Amex Platinum in a year — even during the pandemic - The Points Guy

Posted: 09 Oct 2020 02:05 AM PDT

How our cruise writer got $4,446 in value from his Amex Platinum in a year

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Best Business Credit Cards For Startups and New Businesses Of 2020 - Forbes

Posted: 05 Jun 2020 12:00 AM PDT

The American Express® Business Gold Card offers a unique and tailored approach for businesses to generate 4 points per dollar automatically on the expense categories that they spend the most during each billing cycle. As time goes by, expenses can evolve throughout the stages of the business and the American Express® Business Gold Card will automatically reward the two top categories with a lucrative 4 points per dollar.

Membership Rewards® points are valuable and well-regarded and offer exceptional value when booking travel by transferring to airline and hotel transferred partners.

Rewards: Earn 4 Membership Rewards® points per dollar spent on the two categories that the business had the most spend each billing cycle. The categories include: airfare purchased directly from airlines, U.S. advertising purchases in select media (online, TV, radio), purchases made directly from select U.S. technology providers of computer hardware, software, and cloud solutions, U.S. gas stations, purchases at restaurants worldwide, and shipping.

Earning 4 points per dollar applies to the first $150,000 in combined two category-purchases each calendar year, then earn 1 point per dollar thereafter. A cardmember that takes maximum advantage of the 4 points per dollar rewards-earning potential would generate an impressive 600,000 points on combined purchases on those categories alone, which is worth $6,000 at minimum.

Welcome Offer: Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Due to the impact of COVID-19, eligible card accounts that offer a welcome offer that was approved from December 1, 2019, through May 31, 2020, will receive an extension of an additional 3 months to complete the minimum spending requirement.

Annual Fee: $295 (see rates and fees)

Benefits and Drawbacks: Cardmembers can redeem points to book flights through American Express Travel using Membership Rewards® Pay with Points and get 25% of those points back (up to 250,000 points back in a calendar year). Points can also be transferred to American Express' airline and hotel transfer partners.

However, the $295 annual fee is high compared to other business credit cards, and the 4 points per dollar two-category spend is capped at $150,000 annually. Since this is a charge card, it does not offer the opportunity to carry a balance.


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