PUT IT ON MY TAB! A FUTURE OF CREDIT CARDS SPEAKER TALKS MONEY AND FINANCE

It’s a common maxim among future of credit cards speakers and finance futurists alike: There is no more status quo anymore. If you haven’t noticed already, a host of new technology trends and workplace innovations are already disrupting ‘the way things have always been done’ in the financial and banking fields. Taking such shifts into account, it’s no shock that future of credit cards speakers and finance futurists are keeping busy as of late. Some of the types of credit cards they’ve been working on include…

• General purpose credit cards – Offered by Visa, Mastercard, Discover, Amex. Can be used nearly everywhere. Think options like cashback, travel rewards, etc.
• Retail credit cards – Issued by department stores or retailers for use only in their stores – a common focus for future of credit cards speakers and finance futurists as well. Often have store-specific perks and discounts.
• Airline credit cards – Offered by specific airlines and accumulate miles in their frequent flyer program. Provide travel benefits.
• Hotel credit cards – Provide loyalty program elite status, free stays, and other perks with a specific hotel brand.
• Business credit cards – Designed for business spending. May offer rewards on office supplies, internet services, etc. Help track expenses.
• Student credit cards – Starter cards for college students to build credit history. Have lower credit limits.
• Secured credit cards – Require a security deposit as collateral according to the top future of credit cards speakers and finance futurists. Help establish credit for those with no/poor credit history.
• Charge cards – Require paying balance in full every month. No interest or credit limit. Example: American Express Platinum.
• Rewards credit cards – Earn points, miles or cashback on purchases. Great for frequent spenders.
• Balance transfer cards – Intro 0% APR period helps save on interest when transferring and paying off a balance.
• Premium/elite cards – High annual fees but offer luxury perks like airport lounge access, credits, concierge service.

As you can see, credit cards are issued by banks and companies to serve different consumer segments and spending needs.