Balance transfer with Advanta Platinum Business Card with Rewards Options!

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Advanta Platinum Business Card with Rewards Options

Intro APR: 0%

Issuer: Advanta

Cash Back Reward Program Rules

There is no limit to the amount of cash back rewards you may receive. Advanta cash back rewards are earned using the following percentages of your annual level of account purchases:

On the first $10,000 in purchases: 0.25%.
On purchases between $10,001 and $40,000: 0.50%.
On purchases between $40,001 and $80,000: 0.75%.
On purchases between $80,001 and $100,000: 1.00%.
On purchases between $100,001 and $125,000: 2.00%.
On purchases over $125,000: 0.50%.

If choosing 1% Bonus Cash Back on Gasoline: You will also earn an additional 1.00% reward on up to $15,000 annually of qualifying purchases of gasoline and diesel fuel. Qualifying purchases of gasoline and diesel fuel are those made for business purposes using the Advanta Platinum BusinessCard at retail gas stations that process the transactions as fuel purchases.

If choosing 1% Bonus Cash Back on Computer Equipment and Office Supplies: You will also earn an additional 1.00% reward on up to $15,000 annually of qualifying purchases of computers, computer supplies, electronics, and office supplies. Qualifying purchases are those made for business purposes using the Advanta Platinum BusinessCard at retail establishments that classify their merchant locations as computer, computer peripheral equipment and software distributors; electronics stores; computer software stores; or office supply stores.

If choosing 1% Bonus Cash Back on Building Supplies: You will also earn an additional 1.00% reward on up to $15,000 annually of qualifying purchases of building supplies. Qualifying purchases are those made for business purposes using the Advanta Platinum BusinessCard at retail establishments that classify their merchant locations as home supply warehouses; lumber and building material stores; glass, paint & wallpaper stores; or hardware stores.

If choosing 1% Bonus Cash Back on Dining: You will also earn an additional 1.00% reward on up to $15,000 annually of qualifying restaurant dining purchases. Qualifying purchases are those made for business purposes using the Advanta Platinum BusinessCard at retail establishments that classify their merchant locations as restaurants.

For all 1% Bonus Cash Back categories, mail, telephone, catalog and Internet purchases may not qualify; merchants may classify these transactions differently.
Your monthly statement will track rewards earned for the current month.
Cash back rewards are earned on Net Purchases only. "Net Purchases" means purchases of goods or services made with an Advanta Platinum BusinessCard while the account is in good standing by any authorized user of the account, net of any returns or credits. Net Purchases does not include, and rewards are not earned on, finance charges, cash advances, balance transfers, convenience checks, fees, or any other non-purchase transactions.
Rewards are paid by check (to the order of the account's Signing Individual) and will be generated and mailed following any billing cycle in which your unpaid earned rewards reach $50. Rewards are not available in the form of reductions in the amount of any account payments due.
To earn and receive cash back rewards, your account must be open and in good standing. If your account is voluntarily or involuntarily closed, no disbursement will be made of any earned rewards. If account status is never returned to good standing, any earned rewards will be forfeited.
Advanta assumes no tax liability for cash back rewards earned or paid on your account.
Cash back rewards earned on additional cards will be credited to the Signing Individual's account only, and will be paid only to the Signing Individual.
The Advanta BusinessCard is offered by Advanta Bank Corp., which reserves the right to change or discontinue any Cash Back program feature at any time. The Advanta BusinessCard with Cash Back program is void where prohibited by law.

Bonus Miles Reward Program Rules

You will earn one point for each $1 in Net Purchases charged on your Advanta Platinum BusinessCard with Bonus Miles account. "Net Purchases" means purchases of goods or services made with the Advanta Platinum BusinessCard while the account is in good standing by any authorized user of the account, net of any returns or credits. Net Purchases does not include, and points are not earned for, cash advances, balance transfers, convenience checks, fees, finance charges, or any other non-purchase transactions.
There is no limit on the number of points you can earn. Points are not transferable, have no cash value or partial or residual value, cannot be combined, and will be administered according to the program rules as defined by the Program Administrator. Points expire 36 months after they are earned, and will be redeemed on a first-in, first-out basis.
10,000 points can be redeemed for discount rewards of $100 on a domestic coach air ticket. 30,000 points can be redeemed for discount rewards of $300 on a domestic coach air ticket. 40,000 points can be redeemed for discount rewards of $400 on a domestic coach air ticket. 100,000 points can be redeemed for discount rewards of $1,000 on a domestic or international first class air ticket. Rewards cannot be combined. Only one reward can be redeemed for one airline ticket. (No paper certificate is mailed. Rewards are recorded electronically.)
25,000 points can be redeemed for a coach class, round-trip airline ticket on most U.S. carriers for travel within the 48 contiguous United States. Restrictions apply.
Airline tickets are subject to availability and to any applicable changes, substitutions and restrictions rules. All documentation, receipts and tickets issued are subject to the terms and conditions specified by the suppliers. The cardmember is responsible for any fees, taxes and charges for any personal tax liability related to participation in the program as a result of points earned and/or redeemed; all airline-related fees, facility charges, segment fees, ticketing, taxes, customs, baggage, security, fuel surcharges or other government-imposed fees; and any expedites, special request and exceptions. All fees are payable at time of redemption. Airline tickets and other redeemed rewards are subject to all rules, restrictions, terms and conditions applicable to the purchase of such items or tickets (for example, departure, security and other taxes). All such tickets must be redeemed by the travel agency of record as selected and approved by the Program Administrator.
Reservations must be made 21 days in advance of travel. Free tickets must be available and only apply to the lowest published 21-day advance fare purchase category. All travel segments must be on the same carrier, and a Saturday overnight stay is required. En-route stopovers are not permitted unless they are to make direct connections. Cardmembers will be allowed two connections for each direction of travel. Minimum or maximum stays may apply. All tickets will be issued within 24 hours of booking and delivered by first-class mail, postage prepaid. For travel within 14 days of booking, travel documents will be sent via standard overnight delivery (next day by 5 p.m.) at the cardmember's expense. Tickets are non-refundable and non-changeable unless permitted by terms of the ticket, and lost, stolen or expired tickets cannot be replaced. Fees apply for any changes made after initial booking, and all costs associated with a change are the responsibility of the cardmember. All reservations are made subject
to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability.
In the event of fraud or abuse of the program privileges or violation of program rules (including any attempt to sell, exchange or otherwise transfer points), Advanta and the Program Administrator reserve the right to cancel membership in the rewards program.
Membership will be automatically renewed each year at the terms and fees then in effect, unless cardmember notifies Advanta of cancellation. Eligibility is restricted to Advanta Platinum BusinessCard with Bonus Miles cardmembers whose accounts are in good standing. No points are earned, and no points may be redeemed for rewards, at any time when the account is not open and in good standing, and if account status is never restored to good standing, any accrued unredeemed points are forfeited.
The Advanta Platinum BusinessCard with Bonus Miles program is void where prohibited by law. The Advanta Platinum BusinessCard with Bonus Miles program is offered at the sole discretion of Advanta, which reserves the right to change or discontinue any program feature at any time without notice. Every effort has been made to ensure that the information provided is accurate, but neither the Program Administrator nor Advanta is responsible for errors or omissions, or for the performance of airlines or any provider of service, including but not limited to delivery, bankruptcy, changes, etc. for any service under this program. Neither the Program Administrator, Advanta, MasterCard nor any other entity or person associated with the rewards program shall have any liability arising from, or related to, that program.

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Apply for Advanta Platinum Business Card with Rewards Options

Do you have an excellent credit score? If you do, then you should be glad to know that you are qualified to apply for cashback credit cards. If you are interested in some cashback credit cards offers, make it a point to study all the features and charges of each card, and not just the offers that give you cash back or bonus points. Know the interest rate during and after the introductory offer, the duration of the introductory offer, the annual fee, and other details of the fine print on every credit card application.

Many people recommend the American Express Card for those who are in search of good cashback credit cards. This card offers a zero percentage introductory APR, no annual fee, and a fixed transfer fee of 4.99 percent. You can also benefit from a five percent of cash back when you use this card to purchase gas for your car.

This card also enables users to set up an automatic monthly bill paying system that gives cash back on telephone and cable bills, parking fees, and even transportation expenses. This card also enables you to order more than one card on the same account at no additional activation charge in the name of any family member 18 years or older. They can even qualify for a no-fee transfer from other higher rate credit cards.

A remarkable feature that makes this card one of the best cashback credit cards for customers is the advantage of being able to keep track of expenses and card use for tax preparation and budgeting. An online feature called Summary of Charges permits users to access their account information for the entire year. It allows users to sort the use of the card by vendor or merchant name, by date, or by the amount of the charge.

It’s easy to categorize the charges and review them by category. You can assign a travel category, a business equipment category, a restaurant category, and so forth. Other available online information includes, monthly charge totals, billing information, and a history of the payments on the card balance

These cashback credit cards also make point of sale purchases easy. They allow the user to hold the card up to the point of the point of sale reader. They don’t have to bother with swiping the card or signing anything. Other features and benefits, along with those mentioned here makes the American Express Card, truly one of the best cash back credit cards that a customer can depend on.

Transfer your balance to Advanta Platinum Business Card with Rewards Options

Want to waste thousands of dollars on your website development? No?! Then make sure you figure out exactly what you want BEFORE you approach a website development company.

It may seem like obvious advice, but in reality, many people approach website development companies without first formulating a clear web strategy, clarifying objectives and expectations. This hasty sort of approach to website development invariably costs the customer a lot of money – and they end up with a website that doesn't meet their needs.

So how do you get the website that meets your requirements within the budget you have? Plan, plan, PLAN!

Some of the questions you need to answer before embarking on your website development:

Why do you need a website?

What kind of website do you need?

Who is your target audience?

How do you plan to attract visitors to the site?

What are some of the graphical design considerations?

Will the site target both domestic and international visitors?

What is the visitor trying to achieve?

How will your website support or integrate with the rest of your business?

What structural implications should you consider?

How will you update the content?

Who should you talk to about website development?

Who do you talk to about hosting your website?

What is your website development budget?

1) WHY DO YOU NEED A WEBSITE?

Websites are generally designed to support one or more of the following objectives:

provide information

facilitate online transactions

drive visitors to a physical location

facilitate communication

Websites also support brand image and awareness. In today’s information-rich environment, customers are becoming far more savvy and conduct thorough research prior to making decisions. Having a good, informative and accurate website could mean the difference between winning the client and not.

Websites are also extremely important for contact details as a lot of readers refer to website as a quick reference.

What's more, a website provides 24x7 access, so your customers and potential customers have access to the site outside of normal business hours (ideal for supporting promotions, general e-commerce and improving customer service).

2) WHAT KIND OF WEBSITE DO YOU NEED

Websites may be simply informational in nature or more complex with transactional e-commerce shopping functionality. They may even be designed to support Web 2.0 functionality such as BLOGs and message boards, which can develop a community environment.

But always remember, your website needs to serve the needs of the customers you're trying to attract and retain. Before committing to the feature set of your website development, make sure you can link every feature back to a customer need.

3) WHO IS YOUR TARGET AUDIENCE

Who is your typical reader? Think about your readers; are they young or old, wealthy or poor, male or female, computer techies or novices? Are your readers just researching or are they in buy-online mode? Are they local or international, or both? Will language be a barrier? Will font size be a consideration for those with poorer eyesight?

Once you have ascertained who your audience is, you need to design the website to suit that audience.

4) HOW DO YOU PLAN TO ATTRACT VISITORS TO YOUR WEBSITE?

Marketing your site is critical. It can be marketed electronically using search engines such as Google, Yahoo and MSN and/or offline using traditional advertising and promotions strategies. It's important that you think about the marketing strategy BEFORE website development, as it will impact the website development process and the technology of the final product. For example, do you plan to run Google AdWords or banner ads? If so, will those ads need to relate to specific landing pages containing enquiry forms, or would a single landing page suffice? Will search engine-driven traffic be important to you? If so, you'll need to ensure that your website is designed and developed in search engine-friendly way, and that your web copy is optimised for search engines.

5) WHAT ARE SOME OF THE GRAPHICAL DESIGN CONSIDERATIONS?

Many sites feature a large number of animations and GIF images, which are distracting and poorly designed (in terms of colour and fonts), and which add an unnecessary overhead to the page (in terms of file size and speed of loading). A good website has a balance of imagery and text. Try to be aware of things like font size and how it might impact your readers. Colours, fonts and alignments should be consistent from one page to the next. The look and feel of a site needs to be simple and consistent.

Similarly, background music, popups and Flash can be gimmicky and annoying to visitors. Only include them if they are appropriate to the needs of your audience.

As previously mentioned, your website needs to be more than just a promotional tool; it should form part of your overall marketing strategy. What looks great in print may not look good online. Perhaps more importantly, it may not be user-friendly (functional). So make sure you have a web designer involved in the development.

6) WILL THE SITE TARGET BOTH DOMESTIC AND INTERNATIONAL VISITORS?

Consider whether you have the infrastructure to support international readers and clients. For example, if the site is transactional and you are selling a product, do you have international banking or credit card facilities and the ability to deliver overseas?

If you're going to target international readers, it's important that you make your website global. Consider the format of the information you display and request (e.g. zip code versus postcode, address formats and even phone number formats) and the style, tone, word-choice and spelling of your copy. (See for more information on website copywriting.)

Another important consideration which is often overlooked in website development is scheduled maintenance. Scheduling maintenance for midnight in your home country may cripple your website during peak business hours in another.

Make sure you investigate the needs of your international market(s) and adapt your website to suit those specific needs.

7) WHAT IS THE VISITOR TRYING TO ACHIEVE?

All website visitors want or need something. They may be researching prior to purchasing a product, looking up company details, or trying to pay an invoice. If you want to make your site easy for visitors to use and if you want those visitors to keep coming back, your website development MUST accommodate the tasks that those visitors are attempting to perform.

8) HOW WILL YOUR WEBSITE SUPPORT OR INTEGRATE WITH THE REST OF YOUR BUSINESS?

Websites can often offer services to support and integrate with your business. For example, you might offer online shopping to streamline the purchase, dispatch and accounts process (including payment gateways, stock/inventory detailing, member or client information, etc.). Alternatively your website can increase the effectiveness of your marketing and product support, by spotlighting your products with extensive information and product catalogues, emailing product information to opt-in recipients, allowing links back to the manufactures (if applicable), etc. You might also set up an FAQ section on your website and encourage your visitors to read this area before contacting your office. A feedback form might also reduce administration overhead by allowing your readers to contact you and request more information, etc.

9) WHAT STRUCTURAL IMPLICATIONS SHOULD YOU CONSIDER?

With websites, less is more. The simpler the structure is, the more user-friendly it is. It all comes down to navigation; navigation is a website’s lifeblood. A poor navigation structure can destroy a user’s experience, and damage your online image.

Sections should be obviously grouped, both logically and visually. This makes navigation intuitive. Create a draft site plan before website development is commenced. Discuss it with your designers and developers, work with them to evolve it, then leave it with them to guide them through the website development process. This will ensure that the visual and functional elements of your website flow and make sense.

Structure and navigation are particularly important for larger sites and e-commerce sites. With so much competition around, your visitors will not be prepared to expend a great deal of energy to unravel the mysteries of a poorly planned site. Similarly, visitors are unlikely to become buyers if the purchase process is confusing.

10) HOW WILL YOU UPDATE THE CONTENT?

It is imperative that you update the content on your site on a regular basis. Outdated information is useless and impacts on your credibility and professionalism. Conversely, regularly updated content tells your readers that you're a proactive organisation (and it also contributes to your ranking in the search engines).

To reduce ongoing costs and retain control of your website, consider the benefits of building it using a Content Management System (CMS). A good CMS lets you easily manage all content yourself, instead of paying your web developers to do it. (This includes adding and editing copy and images, adding and deleting pages, and adding and deleting functionality.)

11) WHO SHOULD YOU TALK TO ABOUT WEBSITE DEVELOPMENT?

This depends what you want from your website development and how far your budget can stretch. Is the site intended for the short or long term? Will content need to be updated? Do you need e-commerce, email management / e-newsletters, etc.? There are many people who build websites and numerous approaches to take.

Important considerations when selecting a website development company include:

Do they have proven website development experience?

Are they familiar with the latest developments?

Do they have support networks or personnel should they run into problems?

Are they qualified?

Can they provide ongoing website development support?

Do they have access to graphic designers?

It's best to find an established website development company with a solid infrastructure and qualified staff, who can speak with you plain English, listen to all your requirements and develop a plan that suits your needs. Also remember to select a website development company that you feel comfortable dealing with.

12) WHO DO YOU TALK TO ABOUT HOSTING YOUR WEBSITE?

Your website development company should be able to suggest a hosting company, but if not, there are a multitude of companies listed on the Internet and in the Yellow Pages.

When considering website hosting companies, obviously you need to ensure that they are appropriate for your budget. You need to know that they have adequate security both via the web (antispam, antivirus, etc.) and in their actual physical environment (locks, alarms, etc.). You need to know that they use hardware and software that is modern and appropriate for the job.

Do they have a proactive backup / business continuity / disaster recovery strategy, and the necessary software and hardware to support it? And do they engage in scheduled maintenance? You need to know that they are operating an environment that is designed to minimise the likelihood of fire, flood, theft, hardware failure, overheating, etc. But, if the server hosting your site does, in fact fail (or is stolen or destroyed), will your website be unavailable? Some hosting providers offer uptime guarantees, which is great, but don't assume this means that nothing will ever go wrong and your website will never go down.

Also, consider bandwidth (how fast can they display your website files). Few things are more frustrating to visitors than slow-to-load pages, and your host can play a big part in this.

13) WHAT IS YOUR WEBSITE DEVELOPMENT BUDGET?

Many businesses try to cut costs by engaging a student, unqualified staff employee or friend to build their website. Think carefully before pursuing this option, because you get what you pay for. You'd most likely be trading-off visual aesthetics, reliability, stability, speed, ease of use, search engine-friendliness, and ongoing technical support. When it comes to website development, short-term cost-cutting does not always equate to long-term savings or return on investment.

Having said that, you should always be realistic. Consider what sort of return on investment you require (and how quickly), and set your budget accordingly. Then stick to your budget. If you need to cut costs, start with the 'bells and whistles' that may not be necessary. Flash, for instance, adds significant cost to your website development, yet is considered annoying by many visitors and may reduce your search engine-friendliness.

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Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.