The holiday season is a time of joy, celebration, and togetherness, but it can also bring financial stress if not managed properly. With gift-giving, travel plans, and festive meals, expenses can spiral.
In this blog we’ll give you some tips to spend smart and get the most bang for your buck this holiday season featuring our Dover Cash Back Business Mastercard.
What is the Cash Back Business Credit Card?
Our Cash Back Business Mastercard® lets you earn back on everything you buy. With 2% cash back on everyday purchases, cash adds up quickly. Whether you’re shopping online or in-store, you’ll be automatically rewarded on every purchase.
Expected assurances from Dover Federal Credit Union Cash Back Credit Card include:
- Contactless Technology
- No Annual Fees
- 25-Day Grace Period for Purchases
- Accepted at Merchants and ATMs Worldwide
- Digital wallet compatible
- Mastercard ID Theft Protection™
- Zero Liability
- Chip Technology
A Business Credit Card allows you and members of your team to purchase what they need, when they need it. Control card access, set spending limits and control user permissions with the convenience of Dover Federal’s CardValet app. A Dover Federal Credit Card offers the flexibility you want, with the control you need.
CardValet provides Freedom and Control
With the convenience of CardValet, Dover Federal Debit and Credit card holders can control the use of their cards from one easy app. With our CardValet app, you can save time and rest easy by controlling the cards in your wallet with the phone in your pocket.
- Ability to Control Card Purchasing Limits
- Immediate Access to Line of Credit
- Card Control with Card Valet (Set Spending Limits, Location Limits, Turn Card On/Off)
Tip 1: Using your card for all purchases provides purchase protection.
Stay safe this season and ensure you’re not liable for any fraudulent purchases without tying up your bank accounts.
Tip 2: Stay in budget
The ability to control purchase limits makes budgeting for festivities a breeze. Decide how much spending is allocated for shopping with the added benefit of controlling when, where, and which retailers or brands.
Tip 3: Take a pause
Do you find the Black Friday sales hard to resist? Freeze cards immediately on the app to give yourself time to put thought into your gifting and giving.
Tip 4: Track
The CardValet app allows you to categorize expenses and track your spending in real-time. This will help you stay within your budget and the flexibility to make adjustments if necessary.
Tip 5: Cash Back!
Reap the rewards of your purchases! When the cash back hits your checking account you can use it to (1) make payments to the card, (2) pay for any accidental overspending, or (3) treat yourself and your colleagues for the financial responsible use of the Dover Cash Back Business Credit Card
Conclusion
Holiday budgeting doesn’t have to be a daunting task. With careful planning and a mindful approach, you can enjoy a festive season without financial worry. By assessing your finances, setting a clear budget, and finding creative ways to save, you can celebrate the holidays in a way that brings joy to you and your loved ones. Happy budgeting and happy holidays!
FAQs
- What benefits come with Dover Federal’s Mastercard®?
- How can I avoid debt when using a credit card?
- Is there an annual fee for Dover Federal’s credit cards?
- How does the Cash Back Business Mastercard® work?
- Am I eligible?
Dover Federal’s Mastercard® cards offer perks like Mastercard ID Theft Protection™, Zero Liability Protection, and Mastercard Global Service™, providing security and peace of mind with every purchase.
To avoid debt, always aim to pay your balance in full each month, keep your credit utilization low, and monitor your spending regularly.
No, Cash Back Business Mastercard® comes with no annual fees.
The Cash Back Mastercard® gives you 2% cash back on everyday purchases. Rewards are automatically applied, making it easy to save while you spend.
Must be self-employed or a business owner to apply.
Dover Federal Credit Union
For 66 years, Dover Federal Credit Union has served as a member-owned financial cooperative, designed to provide access to equitable financial products and services that create stability and lead to establishing generational wealth. Today we serve over 44,000 members, encompassing the military, Delaware families and Employer Groups. Serving Camden, Dover, Middletown, Milford, Smyrna & the New Castle areas in branch & online.
