You can now make payments through your local brick-and-mortar retailers using the Square credit card reader through your Apple iPhone! Soon available at Apple’s retail stores and official website, the device allows you to plug a retailer’s reader from a retail outlet or online and insert it into the iPhone 4. Once plugged into the iDevice, you will need to download the free Square app from the App Store and employ the offering without entering into contracts or paying monthly fees. Compatible with the iPhone 4, the fourth generation iPod touch and the iPad, the Square credit card reader helps users track sales and taxes and transfer of receipts. No more lines, no more waiting!

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Tonight, when the clock strikes midnight, the British Airways Visa 100,000-mile promotion will disappear, taking with it the chance to get essentially $1,000 for signing up. If you’ve been thinking about the BA Visa and have put off applying until, say, a commercial break, you’d better get on it before the promotion expires at 11:59P.M. Eastern time.

This is the best promotion we’ve seen since Capital One’s Match My Miles program, which ended a month early due to popular demand. This has been a year of frenzied rewards credit card deals as issuers scramble to snatch the big-spending, little-risk customers before their competitors can get to them. Hopefully the termination of the two big 100,000-mile programs is not a signal of the end of an era – and truthfully, there’s no reason to take it as such.

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We all know how important it is to have good credit, especially in tough economic times. When lenders arent lending like they use to it becomes even more imperative to have good credit. The better credit you have the more options you have as a borrower. This holds true when it comes to credit cards, too. The better credit score you can bring to the table, the better credit card offer you will be eligible for. Here are 5 things you can look forward to when you have good credit.

1. If you have good credit you are going to get approved for better offers. This includes card offers that have 0% introductory rates. Whether it is an introductory rate that is offered on purchase, balance transfers or both, theses are the kind of offers that will save you money. All the best offers out there are only available to those with the best credit scores.

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If you’re loyal to your Discover card, climb aboard. Discover card leads the credit card industry in customer brand loyalty for the 15th consecutive year. Why is this? Well according to the 2011 Brand Keys “Customer Loyalty Engagement Index,” examining 528 brands in 79 categories to determine the degrees of loyalty that consumers exhibit toward their favorite brands, Discover led the way in “experience” and “authentic innovation,” both of which demonstrate the strongest impact on customer decision-making, category expectations and brand engagement. With customer rewards integrated and relevant, Discover focuses on giving you added value on your purchases and making reward redemption convenient.

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Before you spend on plastic, make sure you use the most competitive credit card.

Here are some of the best for various types of spender.

Best interest-free cards

Marks & Spencer Mastercard

This card offers customers 0pc interest on purchases for 15 months. The card has a representative APR of 15.9pc and offers up to 55 days’ interest free credit when the balance is paid in full and on time each month. There is no minimum income required for cardholders.

Tesco Clubcard Credit Card

The Tesco Clubcard Credit Card offers a representative APR of 16.9pc. Customers can enjoy 0pc for 13 months on purchases plus 0pc on balance transfers for nine months. Cardholders can use this card as a Tesco Clubcard and will receive one Clubcard point for every £4 they spend in store, while also collecting standard points. Cardholders must have a minimum income of £5,000.

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