Blue Cash for Business Credit Card

Up to 5% Cash Rebate
No Annual Fee
0% APR for up to 6 months
Built-in Smart Chip for Internet Security
Receive ongoing Savings at FedEx®, Kinkos® and Staples®
Option to pay over time or pay in full
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Earn cash rewards on purchases made by Additional Cardholders

There's no limit to where your business can go—and no limit to how much you can earn with the Business Cash Rebate Card. Earn up to a 5% cash rebate on all of your business expenses, with no annual fee. There's no minimum spending requirement and no cap to the amount of cash you can earn. Best of all, the more you use the Card on things you already buy for your business, the more your business saves.
Apply online now for the Business Cash Rebate Card and start saving today.
Up to a 5% cash rebate
0% introductory APR on purchases during your first 6 months of Cardmembership
No Annual Fee
Low introductory APR of 4.99% on balance transfers for the life of the balance during your first 6 months of Cardmembership
Two fee-free Additional Cards
Earn cash rewards on purchases made by Additional Cardholders
There's no limit on the cash back you can earn
2

DID YOU KNOW?

	Unpaid credit card bills, department store bills and medical bills fall under the category of unsecured debts, which many Americans face sometime or the other in their lifetime. These debts can become unmanageable, and a person may have to consolidate and take out a loan to pay off the debt. The loan, termed an “unsecured debt consolidation loan”, helps an individual to pay off all the debts with a single loan amount without putting up anything as a collateral security. An unsecured debt consolidation loan has a number of advantages. The monthly expenses of an individual are reduced owing to low interest rate on loans and elimination of high interest debts. The timely payment of debts also improves the credit standing of an individual. Since the debts are paid off with the loan amount, there is only a single creditor to deal with instead of several creditors at a time. Besides, an individual does not have to worry about losing his house or property incase of default in the payment of debt. Unsecured debt consolidation loans disadvantages. Since loans are granted without a collateral security, there is a larger risk to the creditors. The loan attracts a higher rate of interest than that of a secured loan, and unsecured loans take a longer time to get approval. Alternatively, an individual can enroll in an unsecured debt consolidation program. Under this program, the company negotiates with the creditors to lower the interest rate and waive penalties. This results in lesser burden of debt and lower monthly payments for an individual. Before finalizing a loan, an individual should spend time shopping online for the best deal companies have to offer.

A Roth IRA is an individual retirement account wherein a person can save his or her tax-deducted income for retirement and get tax-free earnings in returns. It is different from the traditional IRA account, in that the earnings are tax-exempt, but the earnings may or may not be tax-free.

There are two ways to contribute funds to the Roth IRA account. One is by simply depositing compensation income, which can be the income obtained in the form of wages, earnings from a self-employed work, or even alimony. The other way is to convert funds from a traditional IRA to the Roth IRA. This can be done by taking funds from the traditional IRA account and depositing them into the Roth IRA account within 60 days of receiving the funds. Therefore, a Roth IRA Conversion account is a retirement account created when a person converts his or her regular IRA account into a Roth IRA account. To convert a regular IRA account into a Roth IRA account, you have to meet certain eligibility criteria. The Conversion is not allowed if the modified adjusted annual gross income exceeds $100,000. This applies for single tax-return filers, and also married couples filing their tax returns jointly.

It is important to note that the entire amount used to convert a regular IRA account into a Roth account, is subject to income tax. This is because contributions to a Roth IRA are tax-deductible.

So far as withdrawals or distributions are concerned, the rules for a Roth Conversion account have a penalty for early withdrawal. This means that there is a penalty if the distribution is made within the first five-year period beginning from the year when the first contributions were made from a regular IRA.