Tips For Choosing A Gas Credit Card
Keywords: gas credit cards
With gas prices hovering at record highs - and with no telling when they’ll drop or even shoot up higher - most people would be hard pressed to find themselves rejecting a little bit of help on paying the price at the pumps. In an effort to help consumers manage the prices, plenty of banks and gas companies have banded together to offer gas credit cards. At first glance, these cards seem like a huge blessing - after all, who wouldn’t want to save a few cents? However, the amount of fine print that comes along with the cards, as well as the various benefits from each, can throw a bit of a wrench into deciding which gas credit card to apply for.
1 - Station Cards
Station-specific gas credit cards are essentially tailored to one specific brand of gas station. In some cases, station cards can offer the consumer between 3-5% cash return on their gas purchase, which tends to be touted as an immediate benefit of saving at the gas pump - that’s cash back in your pocket after each gasoline purchase at their brand of station. It promotes brand loyalty, and it works! In some cases, you’ll also be offered a 1% cash back or rebate on purchases from other vendors.
Typically, you can either choose to have this money sent to you as a literal cash back, or you may choose to have it automatically credited to your next bill - helping to take the edge off your final total each month. The highest rebate percentage you’re going to find for any station card is 5%, and in some cases, these are the cards you’re going to end up paying an annual fee for. Again, it’s worth reading the fine print - you don’t want that cash back to become a moot point if it’s only going to pay an annual card fee.
2 - Flexible Cards
These flexible gas credit cards are generally the brainchild of a bank that realizes that some consumers want to have the option of giving their business to whichever gas company provides the best price, or is the most convenient wherever they happen to travel. Flexible gas cards are, again, cash rebate cards that tend to pay out anywhere between 2% and 5% on all gasoline purchases - however, you have the option of buying your gas from more than just one company. You’ll get credited for them all.
There is a catch, however - for cards with 5% rebates, you may find that there is a cap on the amount of gasoline spending that the card can pay out for. This is often over $1,000, though in some cases, not by much. For people who travel a lot, although it would be nice to have the flexibility of using any station, the flexible gas card rebate cap would probably hit fairly quickly.
Although there are no perfect gas credit cards, the best course of action is to take a look at your spending habits, and choose a card that best suits your lifestyle and needs.
Get Gas Credit Cards at www.findgascards.com
Previous Articles Highlighter:
What Is An Unsecured Loan? (1)
The information that you supply will be checked, and if you are using false information the lender will be much more hesitant to trust you with a loan, especially one that is not secured with collateral.
How To Find The Right Home In Any Real Estate Market (2)
However, beyond providing you with shelter and memories, for most individuals their home is the most important investment that they will make in a lifetime. With that in mind, finding the right residence in the Tampa area is one of the most important decisions you will face over the course of your lifetime.
How To Find Your Best Mortgage Deal Online (3)
Variable rate interest, as the name suggests, means that if the Bank of England puts interest rates up, your mortgage payment will also increase in proportion. A discount mortgage offers a discount on the SVR for a set period - at which point it will remain in line with the SVR.
Quick And Easy Guide To Cheap Car Insurance Quotes (4)
Get as many online car insurance quotes as you can find time for and you should be able to come up with some of the best, free, online, cheap car insurance quotes available today.
US Export Promotion Targets PRC (5)
In addition, the U.S. Commercial Service has American Trading Centers in 14 fast-growing secondary cities throughout China. Some of the more notable trade promotion efforts that were undertaken in 2006 are summarized below.
Trends In Chinese Banking Sector Reforms (6)
- Improved corporate governance of the state owned banks due to global pressures to improve shareholder returns. The Zetland Financial Group - www.zetland.biz - provides the offshore investor with fiduciary Services, investment management and corporate advisory services, offering personal service and professional advice with total confidentiality.
How To Apply For A Bank Loan (7)
Make sure you are applying for the right type of business loan. You may qualify to borrow money for new equipment or upgrades but not qualify for an operations expense loan.
Experience Western North Carolina Real Estate (8)
Hendersonville NC is located about 20 miles southeast of this city. Many more attractions are located in Western North Carolina. Hendersonville NC is only a short drive away from many unique natural sights.
Best Schools In Houston (9)
Just as the charter school, magnet schools must accept students regardless of their district affiliation. Many times the openings for both of these types of schools are limited and families may be placed on a waiting list.
The Blue Ridge Mountains Is A Natural Wonderland (10)
There are many places to go hiking here, as well as rivers to go whitewater rafting and campgrounds nearby. Hendersonville, the county seat, has about 10,000 people, so there is still a lot of undeveloped land nearby.
Sugar Land Luxury Home Builders (11)
Over 40% of current housing is at least 30 years old, so most will require cosmetic work at the very least. People moving into the area can move into a home as it already is, move into a home after remodeling to update it, or design and build their own home.
New Homes Build On Luxury And Community (12)
New home construction in Sugar Land is an even mix of upscale townhomes and single family homes on beautifully landscaped home building sites. Buyers can choose from "production homes" created from established home plans by the best new home builders in Fort Bend County, or work with builders to create a custom build luxury home that is specifically designed with their own family in mind.
Dont Let Your Investments Control You (13)
In both cases, more securities than you need to achieve diversification. So the above percentages are only minimums. The maximum holding for a stock should be 5%, that's 5% of your net worth tied to the fortunes of one company (remember Enron, if you're wondering why).
Where To Find The Top Homes In Texas (14)
Built on one story and with three bedrooms, it's perfect for either first-time buyers, new families or anyone who simply wants a nice, specious quality home. Located on the green belt as well, it offers the perfect retreat from the hustle and bustle of everyday life, yet only costs $152,950.
Houston Texas Has Retained It's Market Value (15)
Most of the top homes for sale in Houston have retained most of their market value, and having property in Houston has definitely made a few investors feel safer over the past few months.
Best Real Estate Financing Tips To Save You Money (16)
All adjustable rate mortgages are amortized over a 30-year period. Check with your CPA before you buy to make sure your property taxes are deductible. Also find out from your CPA or other financial advisor what other real estate financing expenses can be deducted when you file your income tax return in a few months.
Tricks For Finding The Top Homes For Sale In Texas (17)
An agent can help to alert you of these deals. Trick #2: Attend all the open houses you can. Going to open houses for homes for sale at Sienna Plantation or otherwise is the only way to really see a house in all its glory.
When None Of The Top Homes For Sale In Texas Fit Your Need... (18)
Remember, the top places to live in Texas aren't cheap. When you're finished changing the plans with your building, you'll get an estimate. It may be much higher than you expected, but don't worry-planning the top homes for sale in Texas take time!
New Homes Increase Standard Of Living (19)
Through the careful development of homes, neighborhoods, also known as planned communities, have taken on an existence of their own, just enough removed from the downfalls of human society. These homes are models of exemplary living, and give each individual family a private place to live untouched by the majority of the criminal element that makes life so dangerous.
Get Out Of Credit Card Debt - 5 Helpful Hints (20)
Most experienced debt management professionals and counselors will quickly explain that the minimum payment usually covers only the interest charges. This leaves the principal (the actual amount of purchases on the card).
Newer Articles Highlighter:
The Top 3 Pitfalls Of Refinancing Your House To Pay Off Your Credit Cards (1)
If you fail to pay your home loan, you are not only putting your credit at risk, but you also run the possibility of losing your home. 2. You Spend Even More Time Paying Interest You already have to pay enough interest on your house as it is.
What You Need To Know Before Committing To Student Loans (2)
These types of programs can help you stay in good standing. This will allow you to be eligible for future student loans as well if you decide to return to school.
Should You Prefer Your Home Equity Line Of Credit Or Your Credit Card? (3)
If not, you could end up paying more interest than you did with your home equity line of credit. Credit Limits Make sure the credit limit is high enough.
Eliminate Debt? The Unforgiving Truth Behind Paying Off Your Personal Debt! (4)
This is just a flat out sign that you are spending way more than you make. Stop now! 4. Credit Cards for Everyday Purchases: If you are using your credit cards for buying gas or food then again you know that cash is being spent on something that it shouldn't be.
How To Raise The Limits On Your Credit Cards (5)
Lenders perform these sort of reviews periodically to see if you're qualified for higher limits, whether or not your interest rates should be raised, whether they should close or renew your accounts, and etc.
What If I Cannot Make A Loan Payment? (6)
The most important thing to do is to contact the lender as soon as you know that you are not going to be able to make the payment. If you are certain that you cannot make the loan payment, calling the lender will show them that you are not unaware of the payment, and it will also show them that you are not trying to ignore them.
Stay At Home Moms - Dare Yourself To Save Money (7)
Absolutely forbid yourself to use the checkbook or credit card instead. There are times where it's really hard to minimize your spending. Sometimes life throws you several loops at once.
Rewards Credit Cards Are My Best Friend (8)
So what? The bottom line is that when you use rewards cards, you basically get back a portion of what you spent on your credit card, though perhaps in a different form.
Money Saving Tips: Knowing Where To Begin (9)
When confronted with this they tend to feel quite angry for allowing this to happen. The second being, you will implement a plan for change. You will quickly start to prioritize your spending and cut out many of those expenditures that you don't really need.
How Is A FICO Credit Score Determined? (10)
Or for that matter, if you've been paying them at all. Each credit account you hold reports your payments as either on time or late. Late payments are reported as being 30-, 60-, 90-, and 120-days late.
Texas Homestead Exemption (11)
The exemption remained virtually unchanged. There are newer applications of the act that aid in more modern situations. The homestead law prevents creditors from forcing the sale to satisfy debts, except in the case of a mortgage holder, taxing authority, or holder of a note for home improvements.
Choosing A Good Financial Recruitment Agency (12)
You need an agency with access to the top positions at the top banks and financial firms, who can speak directly to their recruitment teams and recommend you for the right positions.
The Top 5 Ways To Build Your Credit Score (13)
Even if you do not have such a great payment history with these old cards, you are better off leaving them open. Just because you close old accounts doesn't mean that the mistakes you made on those accounts will go away.
How To Train Your Eye For Foreclosure Investing (14)
Many who have made millions in this line of business are completely self taught. If you are just enthusiastic to learn all about foreclosure investment, then you don't need any long-tailed orientations and complicated seminars.
Stop Credit Card Debt And Get Your Finances In Order (15)
Many credit card companies will set your minimum monthly payment at less, or about the same as the 2.5% interest you will be paying each month. If they do this, and you continue to pay the minimum, you can see how you will never pay off the total balance or even pay it down at all!
How To Dispute Your Credit Report (16)
WHen they receive your letter, the credit bureau will look into your claim and forward any details you provide about the claim to the institiution or lender who provided the initial information.
Home Loan Basics (17)
Insurance: Insurance is another obligation and payment that you will be required to take on when you buy your home. The lender will require a certain amount of insurance on the home, but you will probably want to add other types as well.
FICO Score 101 (18)
This part of your score plays a larger role when you don't have a lot of other information in your credit report. Inquiries 10% Submitting a lot of applications for credit cards or loans in a short amount of time creates multiple inquiries on your credit report.
Consumers 'Switch Off' When It Comes To Financial Planning (19)
According to the financial services firm, the typical value of a pension used to purchase an annuity was reported to stand at 26,364 pounds last year. However, this in turn provides an actual retirement income of just 1,843 pounds per year, or 154 pounds a month, which could well see many consumers face financial hardship.
Credit Score: True Or False (20)
Once the credit bureau receives this notification, they are required to investigate and give you a response within 30 days. After that time, the credit reporting agency will either remove the information from your credit report, provided it was truly incorrect, or inform you why it will not be removed.