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TrueEarnings Business Card from Costco and American Express

-5% for buying gas
-3% for eating out
-2% for traveling
-1% for everywhere else, including Costco
No annual fee with your paid Costco Membership.

Earn cash back on every purchase

TrueEarnings® Business Card from Costco and American Express

• 5% for buying gas.
  
• 3% for dining out.
  
• 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
  
• 1% on all other Eligible Purchases.
  
• Rebates are awarded annually in the form of an in-store coupon.
  

DID YOU KNOW?

	College students almost have to have a loan to pay admission and prices. To make things better, you can even use some of your loan money to pay for a computer, housing, and even food. Depending on what curriculum you plan to study in college, you can get loans for as high as 30,000 and beyond. It doesn’t take but a few minutes to apply, and almost anyone can get approved. Once you borrow for your loan, you receive the money sent to you in just a few days. Paying it back isn’t a problem. Most college loans offer flexible monthly payments, whether you happen to be paying now or waiting until after you graduate. If you don’t have the money to spare right now, you can choose to start making payments once you graduate and start making the big bucks from your new trade or profession. No matter what type of educational expense you may have, college loans can prove to be very beneficial. You can use the money to go to college, a trade school, or any other type of education. You can also use the money to help you with hidden costs as well, such as books, fees, traveling home, or even supplies. With hundreds of colleges in the United States alone, you’ll be happy to know that college loans will be accepted by almost every college. You don’t have to limit yourself to one college, especially when you know that a loan will cover almost all of the money you’ll need to get a great education. If you’ve thought about college but found it to be more expensive than you thought, give college loans a try. You’ll get the money you need in a snap, and an extensive education to boot. All you need to do is apply, select your college, then get in there and start absorbing all that you can – for now and the future.

Credit card bills are probably the number one cause of financial problems and bankruptcy in the United States, but it does not have to be that way. It is possible to use credit cards wisely, and to use them as free loans instead of letting them become a source of financial distress.

The best way to do that, of course, is to pay the credit card bill off consistently each and every month. The key to doing that is to never charge a purchase you could not afford to make in cash. Those who consistently follow this strategy find themselves in control of their financial future, while those who do not find themselves at the mercy of the credit card companies and banks.

Of course, if you are like most people, you already have some credit card bills lurking in the mailbox each month, and it can be very difficult indeed to get on top of those bills and help get rid of them. When dealing with high levels of credit card debt, the first step, of course, is to stop spending. As they say, the first thing to do when you find yourself in a hole is to stop digging. This means cutting up the cards, or at least storing them outside your wallet. Stop charging additional purchases to the card, and work instead on paying off the current balance.

Paying the current balance should be the goal of every consumer, and all efforts should be focused on getting that balance down to zero as quickly as possible. The interest rate, of course, is one of the most important considerations, since a high interest rate can quickly bring that balance right back up as it is paid down.

It is often possible to negotiate directly with the credit card company for a lower rate, so do not forget to try this strategy first. If that effort should fail, of course, there are plenty of low interest, and even 0% introductory interest rate offers, out there. Chances are at least one of these has landed in your mailbox, so the next time one shows up be sure to take the bank up on the offer and use the money you save to pay down the balance.

After the credit card balances are down to zero, of course, you will have a greater level of control over your finances, and you will be in a better position going forward. The key, of course is to remain debt free for the long term, and that will take a combination of fiscal discipline and good budgeting.