3 things to consider before getting a personal or business credit card
Are you looking for features and benefits that complement your spending habits? If so, a credit card can be an excellent financing solution for your personal or business needs. ABA Members can apply for an ABA Mastercard® from BHG Financial with premier cash back offers, a special APR on balance transfers, and many categories of rewards. Before selecting the right credit card, here are 3 important questions to ask yourself:
1. Why do I need a credit card?
Credit cards for personal use can help you do more than just shop online or check out quickly at a store. They can be your safety net for unexpected expenses. Credit cards can also help you build credit and gain access to new financing options in the future. From a professional standpoint, a business credit card offers advantages for better fiscal management, including the option to maintain accounts for multiple employees with assigned spending levels. Business cardholders can also receive consolidated or individual billing statements and simplified reporting for tax write-off purposes.
2. Does the card have the rewards I want?
Take the time to research rewards that are best aligned with your specific needs. Do you have travel aspirations or does your business travel a lot? Then look for a card that features travel perks. Love to save? Then choose a card with attractive cash back reward amounts and categories that complement your typical spending activity.
Introductory cash back offers also can be an important deciding factor in which card you choose, providing an immediate benefit for you as a new cardholder. Beyond rewards, you’ll also want to consider other features such as special introductory APR offers, which can be particularly helpful for you or your business. Avoiding interest charges for a fixed period on purchases, balance transfers, or both will allow you to make payments that will be applied directly to the principal amount.
The ABA Mastercards are an excellent choice, designed especially for professionals like you. They provide premium rewards for both personal and business users. Depending on the selected card, you can take advantage of special introductory APRs on balance transfers, intro cash back offers, and unlimited cash back on purchases up to 3%, among other rewards. (See footnotes 1,2,3,4 below). To learn more, visit https://aba.bhgchoice.com/credit.
3. Does the card offer safety and protection features to make me feel secure?
ABA credit cards come with Zero Liability Protection, meaning you’re not held responsible for unauthorized transactions on your account. Each card also comes with Mastercard ID Theft Protection which alerts you in case of possible identity theft and provides you with resolution services in case you are a victim of identity fraud. For even more protection, the cards include 24/7 customer assistance with Lost and Stolen Card Reporting and Replacement.
A valuable asset
A credit card can be a powerful tool for managing your business or personal finances, as well as a source of valuable rewards. With forethought and careful consideration, the benefits of choosing the right card for your specific situation can provide you with significant benefits over the long term. An ABA credit card from BHG Financial may be just what you need. Act now to take advantage of your exclusive offer.
- 1. Subject to credit approval. Ask for details.
2. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We try to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 point per dollar spent, as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back rewards.
3. For details on the Rewards Program, please visit https://bhg-cdn.azureedge.net/pdf/Rewards_Program_Agreement.pdf. Rewards options are subject to change without notice.
4. The Rewards Bonus period begins at the date your account is approved and ends 90 days later.
The BHG Mastercard® is issued by Blue Ridge Bank, N.A. pursuant to a license by Mastercard International. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
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