American Express Business Travel

Looking for a Credit Card for Christmas Shopping? Before you submit a credit card application, first review the main points which will help you choose the right credit card for your needs.

What Charges You'll Make - If you're going to use the credit card mainly for booking airline reservations and hotels, it might be best for you to get a travel credit card that offers sky miles and hotel points or cashback. If this will be an emergency credit card only, then your main concern may be for a low interest rate credit card with low fees.

When You'll Repay Charges - Will you pay off credit card charges in full every month, or will you carry a balance month to month? If you're going to carry a balance, you want the lowest possible interest rate as well as a low introductory rate. But if you'll payoff balances in full every month, then interest rate really doesn't matter so no annual fee and/or a long grace period would be a bigger concern. If you're going to carry a balance, be concerned about how the finance charge is calculated. The most common method is the Average Daily Balance, which means that the daily balances are added together and then divided by the number of days in the billing cycle. Stay away from credit cards that compute the balance using two billing cycles, as this method costs more money in financing fees.

What Amount You'll Charge - If you're going to use the credit card for all your monthly expenses, then you need a card that has a high credit limit and a high cashback percentage.

More info about Interest Rates, Credit Limits, Incentives, Fees and Penalties

Interest Rates - The interest rate (Annual Percentage Rate) APR can either be a fixed rate or a variable rate that is tied to another financial indicator, most commonly the prime rate. With a fixed rate credit card you know what the interest rate will be every month, whereas a card with a variable rate can fluctuate. Of course, even the interest of a fixed rate card can change based on certain events, such as paying your credit card bill late, exceeding your limit, or simply because the credit card issuer decides to change it after providing you ample advance notice.

Credit Limit - This is the amount of money the credit card company will let you charge to the card. This amount varies depending upon the card offer and your credit history. Be sure to get a credit card with an ample limit, because getting close to your max can hurt your credit score. Just remember that you don't have to max out your limit just because it's available.

Incentives - To compete for and to gain customers, many credit card companies offer rewards. Even if you normally use cash, why not use your credit card and then use the cash to make the payment during the grace period? You still won't pay interest and meanwhile you'll rack-up rewards. A credit card with 5% cashback will earn you $5 for every $100 charged. If your total bills come to $2,000 per month, you'll earn a free $100 every month. Look for a rewards program that you'll use and which offers flexibility, such as cashback or travel.

Fees and Penalties - Compare common charges such as late fees, overlimit fees, balance transfers, cash advances, and for making payments by telephone. Regarding balance transfers, look for credit card offers with no transaction fees and zero percent interest for at least 12 months.

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American Express Business Travel

By Credit Federal | Published 02/2/2006

AMERICAN EXPRESS BUSINESS TRAVEL'S TRAVELER SECURITY SOLUTION AWARDED FOR "BEST PRACTICE IN BUSINESS INTELLIGENCE"

TrackPoint, Global Traveler Locator Solution, Wins Top Honors in the Extranet Deployment Category at MicroStrategy's Annual User Conference

American Express Business Travel, the world's largest travel management company, has been recognized by MicroStrategy Incorporated, a provider of business intelligence software, as the "Best Practice in Business Intelligence" award winner in the category of "Best Extranet Deployment" for its TrackPoint global traveler security solution. A web-based application, TrackPoint is designed to help corporate travel managers as well as risk and security departments to quickly find their business travelers beset by unexpected emergencies; such as severe weather or terrorist acts, and make critical decisions about their emergency travel needs.

"American Express is pleased to be recognized for its global traveler security solution, which simplifies tracking business travelers so as to improve care for their well being," said Charles Petruccelli, President, Global Travel Services, American Express Business Travel."

Designed to address the safety concerns of business travelers, TrackPoint helps companies protect the well-being of their most important asset -- employees -- by speeding their ability to locate traveling employees worldwide. During a crisis, such as acts of terrorism or severe weather incidences, travel managers, risk managers or security personnel deploy TrackPoint to quickly access traveler trip itineraries, and thereby identify employees in harm's way and make critical decisions about their needs. A key feature of TrackPoint is its web-based graphical user interface, powered by MicroStrategy, which, beginning with a map of the world, allows users to point-and-click through country, state/province, and city layers until they isolate the itineraries of impacted travelers.

TrackPoint was recently rolled out to American Express Business Travelers in North America and Europe, and is currently in pilot in the Japan, Asia-Pacific, Australia region.

About American Express Business Travel
American Express Business Travel, a division of the American Express Company, is dedicated to helping its clients realize the greatest possible value from their investment in travel through increased cost savings, outstanding customer service and greater spend control. For small businesses, medium-sized enterprises and multinational corporations, American Express Business Travel provides a combination of industry-leading booking technology, travel management consulting expertise, strategic sourcing and supplier negotiation support and customer service available around the world, around the clock, online and offline. American Express operates the world's largest travel agency network operating in 140 countries and territories worldwide.

American Express Company is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travelers Cheques, travel, business services and international banking.

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American Express acts solely as sales agent for travel suppliers and is not liable for the actions or inactions of such suppliers. CST# 1022318-10, TA# 002- Registered Iowa Travel Agency, NV# 2001-0126, ML#1192, Washington UBI# 600-469-694

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American Express Business Travel - by <a href=http://creditfederal.com>CreditFederal.com</a> AMERICAN EXPRESS BUSINESS TRAVEL'S TRAVELER SECURITY SOLUTION AWARDED FOR "BEST PRACTICE IN BUSINESS INTELLIGENCE" TrackPoint, Global Traveler Locator Solution, Wins Top Honors in the Extranet Deployment Category at MicroStrategy's Annual User Conference <a href="http://creditfederal.com/americanexpress-credit-card.html">American Express</a> Business Travel, the world's largest travel management company, has been recognized by MicroStrategy Incorporated, a provider of business intelligence software, as the "Best Practice in Business Intelligence" award winner in the category of "Best Extranet Deployment" for its TrackPoint global traveler security solution. A web-based application, TrackPoint is designed to help corporate travel managers as well as risk and security departments to quickly find their business travelers beset by unexpected emergencies; such as severe weather or terrorist acts, and make critical decisions about their emergency travel needs. "American Express is pleased to be recognized for its global traveler security solution, which simplifies tracking business travelers so as to improve care for their well being," said Charles Petruccelli, President, Global Travel Services, American Express Business Travel." Designed to address the safety concerns of business travelers, TrackPoint helps companies protect the well-being of their most important asset -- employees -- by speeding their ability to locate traveling employees worldwide. During a crisis, such as acts of terrorism or severe weather incidences, travel managers, risk managers or security personnel deploy TrackPoint to quickly access traveler trip itineraries, and thereby identify employees in harm's way and make critical decisions about their needs. A key feature of TrackPoint is its web-based graphical user interface, powered by MicroStrategy, which, beginning with a map of the world, allows users to point-and-click through country, state/province, and city layers until they isolate the itineraries of impacted travelers. TrackPoint was recently rolled out to American Express Business Travelers in North America and Europe, and is currently in pilot in the Japan, Asia-Pacific, Australia region. About American Express Business Travel American Express Business Travel, a division of the American Express Company, is dedicated to helping its clients realize the greatest possible value from their investment in travel through increased cost savings, outstanding customer service and greater spend control. For small businesses, medium-sized enterprises and multinational corporations, American Express Business Travel provides a combination of industry-leading booking technology, travel management consulting expertise, strategic sourcing and supplier negotiation support and customer service available around the world, around the clock, online and offline. American Express operates the world's largest travel agency network operating in 140 countries and territories worldwide. American Express Company is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travelers Cheques, travel, business services and international banking. ------------------------------------------- American Express acts solely as sales agent for travel suppliers and is not liable for the actions or inactions of such suppliers. CST# 1022318-10, TA# 002- Registered Iowa Travel Agency, NV# 2001-0126, ML#1192, Washington UBI# 600-469-694 This article provided courtesy of <a href=http://creditfederal.com target=_new>www.CreditFederal.com</a>, a personal credit resource of good or bad credit credit cards and loans.

Credit Tip: Need a high limit for Christmas credit card charges? If you have bad credit, consider a personal loan by refinancing your mortgage. Even if you have cash to buy Christmas presents, we recommend using a prepaid card to make purchases because it's safer than carrying cash.