Credit

Best Small Business Credit Cards of 2020

If you operate a small business, whether it’s part-time or full-time, you may benefit from opening a business credit card. Most issuers have pretty lenient qualification requirements for what’s considered a “business owner” and will likely accept your application whether you freelance, sell items online or run a growing company with employees.

The most basic perk of a business credit card is the ability to keep personal and professional expenses separate, which makes things much easier come tax time. Plus, many business cards allow you to open free employee cards, which is a great way to streamline spending and eliminate the hassle of reimbursing employees for business charges made on personal cards.

Business credit cards come in all shapes and sizes, with cards offering rewards, interest-free financing on new purchases, luxurious travel perks, extended warranties, insurance and more. In order to qualify for a business card, you typically need excellent

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Business Insider credit card reviews: Updated for 2020

Airline credit cards

If you’re loyal to a specific airline — or even if you just travel with the same airline multiple times a year — it could be worth holding a co-branded credit card to get a free checked bag, priority boarding, and other perks. Airline credit cards run the gamut from entry-level to premium options, and the best choice for you will depend on how frequently you travel.

Alaska Airlines Visa Signature credit card — Alaska miles are very valuable, and also hard to come by. Alaska’s co-branded card (with a $75 annual fee) is a great way to earn them, and you also get a companion fare each year. Read the Alaska Airlines Visa review.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®This is one of the best credit cards for American Airlines flyers, offering 2x miles at gas stations, restaurants, and eligible American Airlines

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Small Business Credit Cards Present a Unique Revenue Approach for Card Issuers

The small business market in the United States is vast, yet a lot of these businesses struggle to access the financial services they need. In response to cash flow issues and other financial challenges, small business owners are forced to make decisions that directly, negatively impact not only the businesses themselves, but the owners’ personal financial situations.

Many of these challenges could be fixed with improved access to small business credit cards. However, card issuers are understandably hesitant to approve card applications from potentially risky merchants. Even so, the small business card market presents unique revenue opportunities for issuers—and these opportunities should not be ignored.

To dig deeper into how organizations can run a successful small business issuance program and a risk-free way to do just that, Mercator Advisory Group and Aliaswire teamed up to host a webinar: Small Business Card Opportunities: A Unique Revenue Approach. The presenters were

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How To Protect Your Credit And Assets When Marrying Someone With Debt

You spent your single days building a good credit rating, paying off your debts and saving a nice chunk of change. Your partner? Not so much. In fact, your future spouse has quite a bit of debt.

Marriage is about making it work for better or worse, but it doesn’t seem fair that exchanging vows could unravel all your hard work. Fortunately, it doesn’t have to. Here’s what you should know about protecting your finances when marrying someone with debt.

How Getting Married Affects Your Credit

When two people get married, they combine many areas of their lives. The two of you may share the same home, bank accounts, perhaps even last name. So how does getting married affect your credit?

“The short answer is that it does not,” said Emily Pollock, a partner specializing in matrimonial and family law at Kasowitz Benson Torres in New York. She noted that

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Credit Suisse Thinks Bain Capital Specialty Finance’s Stock is Going to Recover

In a report issued on May 1, Douglas Harter from Credit Suisse maintained a Buy rating on Bain Capital Specialty Finance (BCSF – Research Report), with a price target of $15.50. The company’s shares closed last Monday at $9.22, close to its 52-week low of $7.12.

According to TipRanks.com, Harter is a 4-star analyst with an average return of 4.1% and a 63.8% success rate. Harter covers the Financial sector, focusing on stocks such as Ellington Residential Mortgage, Essential Properties Realty, and Arlington Asset Investment.

Currently, the analyst consensus on Bain Capital Specialty Finance is a Hold with an average price target of $10.67.

See today’s analyst top recommended stocks >>

Bain Capital Specialty Finance’s market cap is currently $499.5M and has a P/E ratio of 5.10. The company has a Price to Book ratio of 0.49.

Based on the recent corporate insider activity of 10 insiders, corporate

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S&P affirms UK credit rating, cites govt’s coronavirus response | Money

S&P kept the rating at ‘AA', one down from a top-notch score, with a stable outlook. — Reuters pic
S&P kept the rating at ‘AA’, one down from a top-notch score, with a stable outlook. — Reuters pic

LONDON, April 25 ― Ratings agency Standard & Poor’s left Britain’s credit rating unchanged yesterday, citing a swift response from authorities in limiting the economic impact of the coronavirus outbreak.

S&P kept the rating at “AA”, one down from a top-notch score, with a stable outlook. Britain had lost its “AAA” rating shortly after the 2016 Brexit vote.

S&P’s decision contrasted with last month’s downgrade by rival Fitch, which cited an expected surge in debt as the government ramps up spending to offset the near shutdown of the economy. “With their swift and coordinated response to limit the economic impact of Covid-19, the UK government and the (Bank of England) have demonstrated sizable fiscal and monetary flexibility,” S&P said in a statement.

While acknowledging that Britain’s fiscal deficit was likely to

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Personal Banking, Credit Cards, Loans

First Citizens Bank, a division of First-Citizens Bank & Trust Company, Raleigh, NC.

Account openings and credit are subject to Bank approval.

Bank deposit products are offered by First Citizens Bank, Member FDIC, Equal Housing Lender.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results. Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA, Opens in a new tab/SIPC, Opens in a new tab. First Citizens Asset Management, Inc. provides investment advisory services.

1. Paperless statements are required. To be eligible for Free Checking, you must sign up

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Credit Insurance | FTC Consumer Information

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die.Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can’t work. Involuntary unemployment insurance, also known as

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Find a Credit Union or ATM Near You

For Navy Federal ATMs:

All deposits are subject to Navy Federal’s Funds Availability Policy. The first $200 after a cash or check deposit will be available immediately for cash withdrawals only. The remaining funds will be available by the second business day after the day we receive your deposit. Longer delays may apply in certain situations. Please see the Funds Availability Schedule for full details.

For CO-OP Network® ATMs:

Some deposit limitations apply.

The addresses given for branches are physical locations and may not reflect an accurate local mailing address. Please do not use these addresses to correspond with Navy Federal. Find appropriate mailing addresses here.

Note:

Access to many U.S. military installations has been restricted. Members who are not assigned to or do not work on these installations may not be able to visit an on-site branch or use an on-site ATM. Before visiting, please contact Navy Federal

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