Cash Back Reward Program Rules

1. 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.
   
   
2. Your monthly statement will track rewards earned for the current month.
   
3. 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.
   
4. 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.
   
5. 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.
   
6. Advanta assumes no tax liability for cash back rewards earned or paid on your account.
   
7. 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.
   
8. 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.
   

1. 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.
   
2. 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.
   
3. 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.
   
4. 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.
   
5. 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.
   
6. 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.
   
7. 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.
   
8. 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.
   

Unsecured loans are the loans which you ask for without offering any collateral. This loan is particularly very important for tenants or for those who don’t want there house to be put as collateral. Unsecured loans has became very popular these days because the number of people in need of money but without any permanent property has increased sharply in last decade, and its here that the importance of unsecured loans can be gauged. More and more number of people are opting for unsecured loans because it is among the easiest way to procure loan and the approval process is very fast too.

HOW TO GET UNSECURED LOANS

These days the process of procuring unsecured loan as became quite easier than what it was used to be earlier. The process is now hassle free and customer friendly. There are many options for the borrower now and they can choose the best among those suiting there requirement. The biggest change in the unsecured loan market has come since the arrival of the online companies. These companies work in les sophisticate manner and less paper work is involved. The biggest gain is that the borrower don’t have to run to the offices of the companies to have there work done, here everything is done online, much to the ease of the borrower. There are many companies providing unsecured loans online therefore it is strongly recommended that you gather as much information as you can about different companies because this will help you in getting the best deal for you.

UNSECURED LOANS-AMOUNT AND INTEREST RATES

The amount of loan that you can get through unsecured loans is between £500 to £20000. the interest rates can be as low as 6.25% sometime though it may vary depending on various factors. Though there are many advantages that the borrowers have too, for example.

There are no hidden costs attached, such as set up or arrangement fees.

There are no early repayment charges, so you are free to pay off your loan whenever you want at no extra cost.

The interest rate is fixed for the life of the loan, so you can be sure your repayment remains affordable even if rates change.

For loans over £10000 you’ll be required to provide proof of income i.e. your last three months pay slips or equivalent.

You can make overpayments whenever you like, reducing your outstanding balance.

USES OF UNSECURED LOANS

The unsecured loans can be use for various purposes, that is, it can be used to consolidate your earlier loans, for home improvement and for any other thing you need to use it for.