HEALTHY LIVING TIPS

Ever since gas prices went up, a lot of companies have tried different methods on how to sure that everybody can save money. And finally, credit card companies have answered our prayers through gas cards.

Gas cards are surely a practical way to purchase gas. It has been helpful to a lot of people especially to those who can barely afford to buy gas for their cars. Aside from that, businessmen and salesmen greatly benefit from those gas cards. They can freely do some business traveling and in-house sales trips without having to worry about the cost of gas.

Did you know that a gas credit card can help you save more? It’s through the rebates. And take note that these types of cards do not offer the usual rebate like a regular credit card. What you have to do only is to maximize the benefits and features offered on your gas card.

Use your gas card when you want to fill up your tank. On every gas purchase, you end up earning cash back rewards; they are automatically credited to your account. This is also one way that you can earn your rebates too. Also, these rebate rates will consistently go up from 5% to 20% if you keep on using your gas cards on your gas consumption. All these savings can be put into good use especially that gas prices are predicted to increase anytime soon.

Exhaust your gas credit cards on gas to get discount cards at gasoline stations. These discount cards have rebates and they can be used on any gasoline store purchase. Therefore, only use your card when you want to purchase gas discount cards to avail of the discount.

Because you have your own card, it’s not that good to use it up without having to think of the consequences. Also think of the interests and charges on your gas credit card. Overspending using your card will hinder you from saving money on gas. Quit impulse spending and pay your bill in time and in full. This will help you in steering clear of annual percentages on any balance that you keep on your card.

Paying diligently and on time will mean that you increase your credit score and your standing.

Your performance will definitely benefit you in the future, especially if you want to apply for a job, buy a house, make a loan, invest on a car, or more. That is why you need to learn how to keep savings through your gas credit card. So don’t miss out on these easy steps on saving money on gas.

See: Gas Credit Card



By: Aaron Alderson

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FREE GAS SAVINGS

Gas prices have doubled since last year and motorists are embracing every gas saving tip thrown their way. There are quite a number out there, from improving driving habits, driving hybrid cars to using gas cards. Gas cards however, have been proven to really save money on gas. But before you go out and get a gas card, know that there are two types of cards- prepaid and credit, and each has its own features.

A prepaid gas card is a card that you can preload to your desired amount. The savings from prepaid gas card is gained up front. When you load your card, you load at a discount or pay less than the amount on the card. This card is good to use for people on a tight budget; your miles on the car and visits to the gas pumps is limited since there is a limit on the amount on the card. However, this still involves discipline on your part since you can easily reload.

The downside to using this card is the expiration date. Most cards have short holding periods or expire in such a short period. Loosing the card is another thing. The balance on your card is irrecoverable and this will be a big dent on the budget if the balance is quite a large.

A gas credit card on the other hand, works just like an ordinary credit card. The advantage over ordinary credit cards is that you save on gas purchases. Gas credit cards offer a 2% to 5% rebate on every gas purchase, depending on the card company. Rebates or rewards points are usually in the form of cash back which can be credited to the existing card. While other cards offer to convert rewards points into airline tickets, affiliated merchandise and gift certificates. These are equally attractive rewards but it is the cash back reward that tops them all. Cash back rewards can be used to purchase gas and still earn rebates no it. That would be compounding your savings, rebate on a rebate!

The downside to gas credit cards is you have to be vigilant in paying your bill in full and on time every billing period. If not, the maintaining balance will be charged by the applicable annual percentage rate. Rates range from 9.99% to 16.99% and this could easily undermine you savings.

Gas credit cards are preferable than prepaid cards because of the variety and amount of the rewards points or rebates. You also don’t have to work around the balance of the card which is advantageous for emergencies. Staying on your gas budget is actually dependent on you alone and not on the card type.

For your gas money savings, start using gas cards. Choose a card-prepaid or credit, that better suits your gas spending habits. But whatever card you go with-a prepaid or gas credit card, you are sure of your gas money savings. Gas cards are a sure win!



By: Loren Yadeski

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FREE GAS CARD SAVINGS

Copyright (c) 2008 Ann Wilson

Gas reward credit cards are great but the truth is they’re not really for everyone. Usually, this type of reward credit card is affiliated with a particular gas station, and if you don’t purchase your gas from that station, then you won’t earn your points at all. So before you go ahead and sign up for that amazing gas rewards credit card offer, read on and find out the things you need to avoid with your gas reward card.

Inaccessible gas station affiliates.

As we’ve said at the beginning of this article, you’ll have to make sure that your gas reward credit card is affiliated with your preferred gasoline station. Otherwise, your credit card won’t be of much use to you at all. Is the affiliate gas station easily accessible to you? Or do you need to drive out of your way just to refuel? Remember, on some cards you only earn your rebates each time you charge your fuel purchases from the affiliated gas station.

Vague terms and conditions.

Are the terms about earning gas rebates and redeeming your rewards stipulated clearly in your credit card agreement? Or are there some phrases or statements that are somewhat vague or indistinct? Pay special attention to the asterisks that are found at the end of what seems to be a great offer. Often times, there are certain conditions before you can enjoy that offer. For instance, if the ad says you get 5% rebates on gas purchases*- the term “gas purchases” may be limited to only one particular gas station branch and not on all gas purchases. Make sure that you are clearly aware of what you’re signing up for by reading the fine print of your gas reward credit card agreement.

Delaying your monthly payments.

Reward credit cards are often strict about implementing the rules. Gas reward credit cards are no different. If you fail to submit your monthly payment by your due date, chances are, you forfeit your eligibility to earn our rewards. This is a crucial tip for every reward credit card holder. Pay close attention to your payment due dates to make sure that you’ll get the rewards you deserve.

Deceptive Promotional offers.

Watch out for what seems to be the best deal you ever heard! Promotional offers are always great but don’t forget that these offers don’t last very long. Also, promos are offered just to get you to sign up for the card. Don’t forget to check if there’s a catch. For instance, the 5% gas rebate may just be limited to your first month, afterwards it may drop to a low 1% or even less. The low interest rate may be good for the first 3 months, but how much will it be after the introductory period expires? Don’t be stuck with a gas reward credit card that doesn’t do much for you. Read the full terms and conditions to know the exact implications of the promos being offered.

By: Ann Wilson

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FREE GAS GIFT CARD

The current rapid increases on gas prices have caused a great dent on gas budgets. Individual motorists greatly suffer from these increases but more so the business community who spends ten times more on gasoline or even more for bigger companies. Business establishments are now keen on saving every penny they can on gas. Gas savings tips- from implementing new driving habits, trading regular cars for hybrid cars and using gas cards, are strictly adhered. While all those mentioned gas savings tips works, it is using gas cards that can save your business boat loads. If you own a business and want to save on gas, then now is the time to save boat loads with gas cards. But before you go out and get a card, you should check out how gas cards work.

There are two types of cards-prepaid and credit gas cards. A gas credit card is just like an ordinary credit card that can be used to pay for any purchase only that you benefit from gas purchases. Gas credit cards offer rebates for gas purchases. Percentage of rebates are somewhere between 2% to 5%, depending on the company’s policies that issued the card. Percentage rebates may be diminutive when you consider it on its own. But, if used on the annual gas consumption of your business, it results to a considerable savings amount. You will be looking at a figure between two thousand and eight thousand. Moreover, rebates are tallied in rewards points every billing period. Totals are available on statements or bills and are redeemable into cash backs or other forms of rewards. You can definitely save boat loads by using gas credits cards but more so if you pay your bill in full and on time. Gas credit cards carry an annual percentage rate, known as the APR, that will be charged on the maintain balance. This interest can reduce or even negate your savings.

Prepaid gas cards on the other hand, works differently from gas credit cards. This type of cards can be preloaded to your desired amount. Every time you load, you get your rebates up front. Prepaid gas card loads are sold at a discount. If you issue ten cards to your employees and load up to ten thousand on the cards, you will be seeing a savings of more or less five hundred. This is definitely a boat load of savings if accumulated.

Choosing and using from the two types of gas cards can definitely give you boat loads of savings. Gas credit cards offer more perks, once you pay your bill in full. If working around due dates can be a problem for your business then issuing prepaid gas cards will be preferable. Prepaid gas cards give you almost the same benefits as credit cards. The only downside is loosing the card. The balance on the card will then be irrecoverable. Savings don’t come free; you will have to be vigilant in paying bills on time and careful in not loosing cards. But whatever card you choose, gas cards will definitely save your business boat loads on gas money.



By: Loren Yadeski

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FREE GAS SAVINGS

We have all seen gas prices soar up to records high around the country this past few months. And as if these price increases are not enough, there is no relief in site yet. Motorists, and that means you and me, are on the look out for smart ways to cancel out these increases. One of the most popular and widely used gas-saving tips is using gas credit cards. This is actually one of the smartest ways to save on gas money, even smarter than using cash. This is quite unbelievable and eyebrow rising for many- credit over cash? People usually associate credit cards with high interests and a way to spend unnecessarily. With the current rapid gas price increases, using gas cards is smarter than using cash and below are the reasons why.

Gas Rebate

The best reason there is in using gas cards than cash, is the gas rebates. Gas cards are also called gas rebate cards since rebate offerings are its main features. Gas credit cards offer rebates, of up to 5% or even 10% during introductory periods on gas purchases. These rebates are in the form of rewards points that can be accumulated and redeemed at the end of billing periods. Rewards can be converted into cash backs which can be used to purchase gas or other non-gas items.

Other Rewards

The rewards points that you earn from your purchases can also be converted into other forms of rewards aside from cash backs. Some companies offer to convert rewards points into airline tickets, products and gift certificates. If you are a frequent flier, then the air fare reward will save you on your air fare money.

Double Reward

If your gas credit card offers cash back rewards and you use it on gas purchases. You get a double reward or higher gas rebates since your rewards actually earn rewards or gas rebates. You will be looking at an accumulated annual savings of more than the 5% regular rebate.

Safer to carry than cash

Even if you are one of those careful types of person, loosing cash is still a possibility. And loosing cash only adds to the burden that high gas prices are causing. Carrying and using gas cards to pay for gas purchases are safer than carrying and using cash. In the event that you loose your card, you can easily report it to your issuing company so it can’t be used by anyone else, plus gas cards have fraud protection policies.

Easy record keeping

With cash transactions, you have to keep tabs of gas purchases manually. This means safe keeping of receipts so you can maintain your books easily. With gas cards on the other hand, record keeping is easy since card companies issue statement of accounts or bills at the end of every billing period complete with your purchase details. Keeping tabs on your gas purchases will be easy.

There you have it, the five reasons why using gas cards is smarter than using cash. If you aren’t a gas card user yet, think about the above advantages that you are missing out on.

By: Loren Yadeski

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FREE GAS GIFT CARD