As a Georgia Dental Association Member, you receive two points for every eligible net $1 spent when you use this card to pay your membership dues.
In today’s world, everyone and every dental practice needs a credit card. Whether it’s for purchasing office supplies or filling up your car, having the right credit card can turn everyday transactions into rewards you can enjoy. There’s a lot to think about when selecting a new card, here are a few things to consider.
First, know your credit score.
If you haven’t checked it in a while, now is a good time to find out what it is. Some factors that affect your credit score include:
• Past credit history—including payment history
• Your current outstanding debt
• Length of credit history
• Types of credit you currently hold
• New credit you are pursuing
Credit scores range between 300 and 850. The higher your credit score, the better it is for your financial life. You can get a free credit report at AnnualCreditReport.com.
Second, compare cards.
There are literally thousands of credit cards to choose from. That can make it challenging to find the right card for your situation. A couple of things to consider when selecting a card:
• Does the card have an annual fee?
• Can you earn rewards on your dental practice purchases?
• What rewards can you redeem your points for?
• What is the interest rate on balances?
Third, manage your credit.
Having credit is great, but it’s also a responsibility. Follow these simple tips to manage your credit card:
• Pay off balances with higher rates first
• Avoid paying interest by paying in full by the due date
• Avoid late fees by paying at least the minimum payment by the due date
With this background on credit cards, you’re ready to select and use your credit card wisely.
Are You Getting the Most Out of Your Credit Card?
In this day and age, almost everyone has a credit card. According to Federal Reserve data that was released in 2014, “72% of consumers have at least one credit card.”
Before picking a credit card, whether for personal or business expenses, you should make sure that the credit card will work for you. In the past several years, many credit card companies have switched to offering rewards cards, giving you extra benefits to
encourage use of their credit cards.
The Georgia Dental Association began a co-endorsement with the American Dental Association (ADA) in 2016 to endorse U.S. Bank for their personal and business credit cards.
Why U.S. Bank?
With the U.S. Bank card, you can earn five points for every eligible net $1 spent on ADA purchases, such as practice management materials or the annual CDT code book . By rewarding you for the purchases you make on behalf of your practice, U.S. Bank differentiates itself from the competition. As a Georgia Dental Association Member, you also receive two points for every eligible net $1 spent when you use this card to pay your membership dues. The points you earn can be redeemed for travel, fine dining, gift certificates and much more.
To learn more about the benefits of the ADA Visa Signature Card
, please call 888-327-2265 ext. 17432 or visit usbank.com/ADA17432