Rewards Cards for Business Owners

by John Stevenson on November 23, 2014

Scotiabank offers convenient banking and borrowing tools such as currency and account services, credit cards, and lines of credit. Cards come in different versions, including student, low interest, cashback, and others.

Scotiabank features cards by American Express and Visa and offers perks such as travel benefits, special promotions, extended interest-free periods, and many others. Customers enjoy travel benefits such as late checkout and room upgrades. Participating merchants also offer rewards such as dinnerware sets and casseroles, wine gift sets, 4-slice toasters, electric slow cookers, and other kitchen appliances and items. Scotiabank credit card offers a rewards program that features cash back, travel benefits, and rewards points redeemable for digital cameras, watches, binoculars, tablets, and other electronics. A training bike, for example, requires 226,400 points. Retailers also feature zoom cameras, iPads, disc players, and other items. Rewards also include investment and credit dollars, precious metals, gold bars, and a lot more.Clients can also choose from a selection of specialty cards that feature points on entertainment, dining, and shopping. Participating hotels and chains offer complimentary suite upgrades, free nights, and other privileges. Clients enjoy VIP access to music festivals, major events, and private style consultants. Customers are also offered lounge access with conference space and complimentary refreshments and snacks.

The Bank of Nova Scotia offers handy online tools that allow holders to redeem points, transfer funds, request a higher credit limit, and more. Additional cards with no annual fees can be requested for the ScotiaHockey Visa, SCENE Visa, and other cards . There are special offers with large bonuses of 5,000 to 30,000 rewards points and low intro rates. Some cards go with an introductory rate that is as low as 0.99 percent.

The bank also offers specialty cards to business customers, including cards with unsecured and secured rates, large limits, cash back, and no annual or monthly fees. There are cards that earn cash rebates on utilities, phone bills, and purchases. Customers are offered credit vouchers and gift certificates. Secured credit cards are also offered, for example, ScotiaGold Passport which goes with credit and investment vouchers, gift certificates, brand-name merchandise, and unrestricted and flexible travel options. Consolidating card payments helps save on service charges.

Scotiabank requires that business customers provide details such as lease and loan payments, amortization expenses, and others. The bank assesses over-limit, non-sufficient funds, and dishonoured payment fees.

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Airmiles cards are offered by Canadian credit unions, small banks, companies, and big banks such as CIBC, Toronto-Dominion, Royal Bank of Canada, and others. Specialty cards offer perks and exclusive benefits such as sign-up bonuses, frequent travel programs, travel statement credits, miles back, and affordable interest rates.

Benefits for Cardholders

Customers enjoy premium benefits such as low introductory APR, merchandise and travel rewards, no annual fee, bonus points toward charitable donations, and large spending limits. Canadian banks feature specialty cards with airmiles that go toward airfare, electronics, tickets, and more. travelHolders are offered referral bonuses, free supplementary cards, reserved ticket access, assured reservations, and comprehensive coverage. Cards with no foreign transaction fees are ideal for frequent travelers and international travels. Many issuers also feature unlimited airmiles for discounted airfare and free travels, flexible points redemption, and premium rewards such as tours, cruises, packaged holidays, car rentals, and hotels, and others. Many banks partner with online retailers, cruise lines, and airlines and feature flexible redemption schedules and airmiles that can be exchanged for flights to major destinations in Europe, Canada, and South America. RBC, for example, offers a rewards program that requires 15,000 points for short haul flights to Canada and the U.S. Long haul flights to Alaska and Hawaii require between 45,000 and 55,000 rewards points. Some issuers offer rewards points that can be converted to airmiles and used toward international and domestic flights.

Premium Benefits

Premium travel cards also feature concierge service, including sight-seeing reservations, special searches for major brand and hard-to-find merchandise, and temporary office help. Many cards go with perks such as reservations for ship, train, limousine, and air travel and access to activities such as skiing, scuba diving, and others. There is a selection of specialty cards by Visa, Discover, and MasterCard that offer exclusive rewards and miles toward economy round trips and upper class upgrades. Some cards also feature zero balance transfer fees and allow holders to consolidate high rate balances. Most cards feature variable APR, companion reward flights, and the option to double miles. Additional cards are offered to close family members such as domestic partners, siblings, parents, children, and spouses. While airmiles cards offer plenty of exclusive benefits, some issuers charge high annual fees and processing fees. Other fees and charges to watch for include balance transfer, application, and late fees, finance charges, over-limit fees, and others. On the positive side, some issuers offer secured airmiles credit cards to help clients repair their credit.

Applying for an Airmiles Credit Card

To qualify, credit card companies usually require solid income and employment and very good or stellar credit. Applicants fill in information about their combined and personal income before tax and their employment status, i.e. homemaker, retired, unemployed, temporary, or salaried professional. Customers are also asked about their residence status, checking and savings accounts, and whether they require optional services such as balance transfers and supplementary cards.

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