All posts by Leonard Kreicas

Belk Credit Card

Belk Rewards Card

Belk Rewards Cards give shoppers automatic discounts with almost every purchase at any any Belk store or at

Besides savings at Belk department stores, Mastercard holders earn 2% rewards at gas stations and grocery stores, and 1% rewards when shopping almost everywhere else.

When you open a new Belk credit card account you will receive a 20% off coupon, plus a $10 statement credit on your first-day shopping spree.

The fun begins with the basic Belk Rewards Card, and becomes even more amazing the you spend.

The entry Belk credit card includes

  • 3 points for every eligible $1 purchase
  • Hassle-free returns without a receipt
  • 20 exclusive savings events each year
  • Bonus rewards events
  • A cardholder savings day of the month
  • Track your rewards at
  • No annual fee

The Belk Premier Rewards Card ($600 to $1499 in spend per year) adds

  • 4 points for every eligible $1 purchase
  • Special Financing with the Belk Rewards Flex Pay Plan
  • Birthday coupon
  • Exclusive Premier savings days

Finally the Belk Elite Rewards card members get

  • 5 points for every eligible $1 purchase
  • Free shipping in store and at
  • Quarterly 20% off pick your own sale day
  • 4 invitation only Elite savings days
  • Free shipping coupons

In case you are not conveniently located by a Belk store visit their online presence at for the latest in new merchandise and current promotions.

Apple Credit Card

Serious Apple computer users now have a credit card that rewards them with 3 points for every $1 spent on the web with, an Apple Retail Store, via phone at 1-800-MY-APPLE or the iTunes Store.

Barclay VISA card with Apple RewardsAs a one-time welcome to the Apple family of products new account holders get two $25 Apple Store Gift Cards or App Store & iTunes Gift Cards after first use of the card.

Besides Apple purchases, cardholders receive 2 points at restaurants, and 1 point on all other merchandise bought with the Barclaycard VISA with Apple Rewards, which they receive in the form of an Apple or iTunes gift card.

Owning an Apple product or getting your favorite iTunes was never more affordable.

Upon approval of the Barclaycard VISA with Apple Rewards, cardholders also receive a generous 0% financing promotion on purchases made at Apple within the first 30 days of account opening to make owning an Apple product easier on the budget.

The length of the zero interest offer depends on purchase amount:

  • 6 months: under $498
  • 12 months: $499 – $998
  • 18 months: $999 and over

As a note, this 0% financing offer does not apply to iTunes purchases as they are not deemed to be qualifying Apple purchases under this offer and it is available only to new applicants.

Caution: If this credit card account is inactive for 6 billing cycles in a row, i.e. no balance, no payments and no transactions, it may be terminated and you will lose all your Apple rewards!

As a convenience there is no need to manually redeem the Apple points, because when the cardholder accumulates 2,500 points, he or she will automatically receive either a $25 Apple gift card or a $25 iTunes® gift card following the next month’s billing statement.

Read the terms and conditions of the Apple Gift Card to avoid any hassles with it, such as it may not be redeemed at the iTunes Store, at any Apple resellers, etc.

Note that the account will initially be set up to receive Apple gift cards as the default.

Cardholders have the option of changing the default Apple gift card to a $25 iTunes gift card by contacting the customer service phone number on the back of their card or by visiting and selecting the View rewards tab.

Apply here for the Barclaycard VISA with Apple Rewards and read the FAQ’s of the card carefully for details of its use.

Visit the VISA credit card website to find out more about VISA cards and their benefits that are included free of charge:

Forgot your card? No problem. Use your iphone with the ApplePay app at checkout!

Journey Visa Card

The Capital One Journey Mastercard is designed to help students build credit and get rewarded for it.

Student Visa CardYou get reminders to keep you on track, rewards for good behavior, and credit tools and tips help you along the way.

Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.

Because it’s a Mastercard, you can use it at millions of places and get Zero Liability Protection for lost or stolen cards.

You get 1% cash back simply for using the card on all your purchases – paying cash doesn’t do that and you only have to pay it a few weeks later.

Plus, get an additional 25% bonus when you pay your bill on time.

Get up to 15% more cash back when you shop our Perk Central retail network.

Free access to your credit score with the CreditWise tool from CapitalOne, plus an interactive tracking tool to help monitor your credit.

Free text and e-mail alerts help keep you on track

The cash rewards don’t expire and there is no limit to how many you can accumulate.

Get your cash back anytime as an account credit or check, even set up automatic redemption to whatever account you want.

The high variable Annual Percentage Rate of 26.99% on balances encourage cardholders to build good habits by paying the bill off in full for every statement.

Apply here to start your credit journey.

J.P. Morgan Palladium Card

With currently only a limited number of J.P. Morgan Reserve Cards in circulation, this card ranks among the most elite in the credit card world.

private jet in air
When time is valuable

Made of made of solid palladium with 23K gold etching, the physical card is worth more than the $595 annual fee.

Not available to the general public, the Reserve Cards caters exclusively to J.P. Morgan Chase Private Banking clients with a minimum of $10,000,000 in investment assets at J.P. Morgan.

The usual benchmark features of the credit card industry don’t fully justify the card’s value, because of all the other benefits private wealth advisors bring to the table for their clients.

For the record some of the features are:

  • Smart chip and signature technology to make international travel convenient
  • No nuisance fees such as foreign transaction, cash advance, late or over-limit charges
  • Primary auto rental coverage
  • Emergency evacuation or repatriation
  • Trip delay or cancellation insurance
  • Baggage delay or lost luggage coverage
  • Emergency accident or sickness coverage
  • Price and return protection
  • Exclusive airport lounges and services

As for spending limits: there aren’t any to be concerned about since purchases usually are beyond the norm.

The $595 card fee is partially covered by the $300 in statement credits given annually as reimbursement for travel purchases made on the card.

For details consult your J.P. Morgan financial advisor or visit the J.P. Morgan Reserve Card web page.