A Review Of Shell Credit Cards
There are four main credit cards offered by Shell in association with Citibank. Two are designed for personal use and the other two for business use.
The cards carry the standard benefits and features like any other gas credit card so there is not much to get over exited about. You can see the similarities and differences between the cards listed below.
Shell Personal Credit Cards
Both the Shell card and the Shell Select member card share the following features:
� No Liability on unauthorized charges
� You can access your account anytime online at no cost
� Flexible payment terms
� Cards can be used at ATMs subject to cash advance fees
� The cards are accepted at thousands of convenient locations
� You can pay at the pump for your convenience
Here are the major differences:
Shell Card:
Annual Fee
� None
APR
� 22.49%
Cash Back on Hotels and Motels
� Sorry
Cash back on Airlines and Rentals
� Sorry
Emergency Cash Benefit
� Sorry
Travel Reservations Services
� Sorry
Shell Select Member Card:
Annual Fee
� $29
APR
� 22.49%
Cash Back on Hotels and Motels
� 10%
Cash back on Airlines and Rentals
� 5%
Emergency Cash Benefit
� $1000
Travel Reservations Services
� Available
By paying the extra $29 per annum, I think the extra benefits you receive with the Shell Select Card are well worth it. I am sure you can earn the annual fee back through the savings you make over the 12 month period (Once you use your card regularly enough).
Shell Business Credit Cards
With the Shell business cards, companies can manage their fleet more effectively by saving money and controlling expenses.
The benefits that are common to both Shell business credit cards are as follows:
� 24/7 online account access which is free of charge
� Option to choose flexible payment terms
� The Shell business cards are accepted at thousands locations
� Pay at the pump convenience
Shell Fleet Credit Card:
Annual Fee
� None
APR
� 22.49%
Option to Revolve
� Yes
Fuel Discounts
� Sorry
Assigned Card Per Driver
� Yes
Detailed Monthly Transactions
� Yes
Fuel and Oil Only
� No
Security of assigned
Driver ID Numbers
� Sorry
Fuel only
� Yes
Spending Restrictions
� None
Shell Fleet Plus Card:
Annual Fee
� $0 Introductory for 12 months
APR
� None
Option to Revolve
� Sorry
Fuel Discounts
� 1.5% � 3%
Assigned Card Per Driver
� Yes
Detailed Monthly Transactions
� Yes
Fuel and Oil Only
� Yes
Security of assigned
Driver ID Numbers
� Yes
Fuel only
� Yes
Spending Restrictions
� None
That is pretty much it for the shell cards, nothing to scream about, but still they are very solid gas credit cards that would do what they say on the tin.
If none of the above features make you tingle with delight, you can also review other gas credit cards.
There are others amazing offers on the market with benefits such as:
� Double cash back bonuses
� Unlimited cash rewards
� Double gas rebates for two months
� $600 statement credit when you lease selected vehicles
�and many more.
Don't limit your options just to the Shell cards, explore what is out there, then compare, review and apply for your gas credit card.

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This article was brought to you courtesy of Anthony Samuel, the webmaster of http://www.apply-for-a-credit-card-now.com. A credit card directory where you can search, compare and apply for credit card offers from leading credit card companies as well as find tools and credit card articles to help you choose the right credit card.


How To Get A Lower Credit Card Interest Rate?
An old proverb states that you have not because you ask not. No where is this more true than in the banking industry. Banks and Financial Institutions are businesses that have to make a profit. If a client is willing to settle for a certain interest rate instead of asking for a better one, they will give them the higher rate. If you want a lower credit card interest rate, ask for it.
If you call your credit card company and ask for a lower interest rate, 80 percent of the time they will say yes. There is too much competition in the market place and credit card companies need their customers, especially the good customers and in order to keep them they will give them what they ask for. When it comes to a choice between making a little less profit or making none at all--many credit card companies will choose the latter, giving you lower credit card interest rather than risk losing you to another company that will.
Of course, customers who have historically paid what they are supposed to when they were supposed to are most likely to get their interest rates cut, and cut lower, just for asking for the reduction compared to someone who consistently pays the minimum or misses the payments altogether or who frequently calls to complain about items on their bill. If you are a good customer, a company wants you to hang around.
If you are prepared to switch credit card companies if your credit card company does not give you a better rate then your chances of getting what you want increase drastically. Don’t make a promise you don’t intend to keep and if you are contemplating switching to another card with a lower interest call your current company and see if they are willing to match or even beat the competitor’s offer you are considering.
The worst thing that could happen would be that they tell you no, but most likely you will get what you ask for. Don't just find one source for information on credit cards and interest rates but do your homework so you are aware of various perspectives. In this information age we live on, there's a lot of valuable input you can find on any subject so take your time to find out what you need. Therefore, we have gathered some information for you to save you some time since research is always a difficult task. Yet without proper research there is no way to acquire the material you need to understand.

For more information on Low Credit Card Interest Rates or visit http://www.interestratespro.com/Articles/Want_Lower_Credit_Card_Interest.php, a popular website that offers information on Interest Rates.


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