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10 popular gas credit cards

Gas makes for a major household expense as individuals spend long hours traveling by their vehicles. Gas-powered cars are popular, and we are constantly in search of ways that help in reducing the cost associated with them. This has made gas credit cards one of the most popular categories out there.

10 popular gas credit cards
If you are planning to get the best gas credit card, it is essential to pay heed to several factors when deciding on the card that fits your needs best. Things like maximum spending caps, limitation on usage time, and brand restrictions can severely limit the power of earning through your gas credit card.

Chase Freedom®   credit card
A general purpose cash back credit card, Chase Freedom ® brings great value with no annual fee. It offers a 5% cash back on the purchase of up to $1,500 within a quarterly rotating category. On the other hand, other types of purchases bring in 1% of cash back. It must be noted that the Chase Freedom ® credit card does not come with spending caps and limitations on earnings. There is no minimum on the redemption amount and the same can be redeemed through the Ultimate Rewards portal for direct deposits, checks, and statement credits. Yes, consumers can also earn cash back sign-up bonus of $150 upon making a purchase of $500 within three months of opening the account.

ExxonMobil™ Smart Card 
The ExxonMobil™ Smart Card does not include an annual fee and comes with a lucrative introductory offer. During the first two months of opening the account, the user enjoys a discount of 50 cents on every gallon at select U.S. Exxon and Mobil stations. However, you are only eligible for this offer if the card is applied for through the Speedpass+ app. Caveat, once the introductory promotion comes to an end post two months, the discount rate then drops to 6 cents per gallon at every brand location.

Sunoco Rewards credit card
The Sunoco Rewards credit card is a great, no-hassle solution that brings good rewards. Every gallon of gas purchased at the US. Sunoco gas stations bring in a discount of $0.05. There is no special action required as the discount gets automatically applied during purchase. Also, no additional cost is levied for extra cards.

Citi Premier SM Card 
Essentially a travel rewards credit card, the Citi Premier SM Card comes with some notable gas benefits. Apart from earning 3 points for every dollar spent on car rentals, hotel stays, and airfare, this card also lets users earn 3 points per $1 spent at the gas stations across the country. The points can then be redeemed to buy a plethora of products from popular retailers like Amazon. Also, no transaction fee ensures bigger savings.

Discover it® Chrome 
This card offers a 2% cash back on the purchase made for dining and at-the-pump gas. However, it extends to about $1,000 per quarter. Thus, it is essential to minimize its use at restaurants to make the best of its gas-buying power. For people who are likely to spend more, it is much more practical to upgrade to another gas credit card. A lucrative perk, in the first year of using the card, the cash back is automatically doubled making for strong rewards. It can be then redeemed through statement credits or direct deposits at any time.

Hilton Honors American Express Ascend Card
One of the best hotel credit cards, the Hilton Honors American Express Ascend Card also comes with some great gas rewards. This card is extremely value-adding for people who travel a lot by car while regularly staying at Hilton properties. During every gas station transaction, the user earns a total of 6 Honors points for every $1 spent. The gas-reward points can aid in enjoying a free hotel stay after spending as much as $834 on gas. As there are no foreign transaction fees, the savings run higher with this card.

Bank of America® Cash Rewards Credit Card 
The Bank of America® Cash Rewards Credit Card can be used without having to pay an annual fee while also bringing good cash back on different types of purchases. What draws the card apart from others on offer is that it lets the user choose the category in which they’d like a 3% cash back each month. The list of categories includes home improvement, gas, travel, dining, and more. Picking the gas category will enable the user for a 3% cash back. Also, as an introductory offer, making a purchase of $1000 in the first 90 days will earn the user a bonus of $200 online cash rewards.

Sam’s Club® Mastercard® 
Sam’s Club® Mastercard® allows for earnings of 5% cash back upon spending about $6000 in the first year at numerous gas stations. The discount is extremely notable as it can be applied not only at Sam’s Club, but other gas stations as well. This means that you can scout to find the cheapest gas stations around without having to stick to a particular brand. However, this offer comes with an exception. It cannot be availed at gas stations outside the country or at competing supercenters. While there is no annual fee to be paid for enjoying the service, you must be a Sam’s Club member to avail of the card and the membership costs $45.

Costco Anywhere Visa® Card by Citi 
Costco is recorded to retail the cheapest gas and you can enjoy better benefits with the Costco Anywhere Visa® Card by Citi. On given gas purchases, the user enjoys a 4% cash back on spending $7000 each year. The cash back also extends to purchases made during travel, at restaurants, and from Costco. However, you must be a Costco member, which costs about $60 per year to avail of this card’s benefits.

BP Visa® Credit Card
The BP Visa® Credit Card does not levy an annual fee and makes for good long-term savings on gas expenditure. As an introductory offer, it offers 25 cents on every gallon up to $100 on the card during the first 90 days of using the card. However, this is not applicable at non-BP stations. Also, there is a limitation on this discount as it extends to no more than 20 gallons per fill. Post this promotional offer, a discount of $25 per gallon can be enjoyed upon spending $100 at BP gas stations. Users who undertake gas-fills at BP stations will derive the best from this credit card.

Gas is a necessary expense and most households own at least one vehicle. It is no wonder then that getting a gas credit card has become a popular category. However, when signing up an application for this kind of a card, ensure that you will use it and derive the best value. Keep track of considerations like the kind of car you own, the number of merchants that will accept the card, if it can be used at grocery stores, and more.  Also, it is imperative to carefully read the fine print to clearly understand the restricting exclusions.

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6 simple benefits of meditation
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6 simple benefits of meditation

A habitual process, mediation helps to train the mind to be more focussed by redirecting thoughts. Many people use meditation techniques to increase self-awareness. Some people use mediation as a way to alleviate stress and increase concentration levels. Whatever be the purpose of mediation, the process comes with a lot of benefits. Here are some of the well-known benefits of mediation and how it affects the brain. Improves sleep cycle Nearly everyone suffers from insomnia once in a while. Some experience a persistent lack of sleep. The reasons for a disrupted sleep cycle can be severe stress, anxiety, and worrying. Often racing thoughts and severe emotional distress can also cause insomnia. Medication helps in dealing with insomnia. However, by focusing all thoughts, meditation can be beneficial in controlling racing and runaway thoughts. Moreover, it will release the tension and help the mind and body relax, leading to improved sleep quality. Those who meditate often have better REM sleep and tend to fall asleep in a shorter time. Reduced perception of pain Everyone’s brain perceives pain with different intensities. However, when one is extremely stressed out or anxious, one’s perception of pain may be higher than usual. Pain receptors are directly linked to the emotional state of mind. When one incorporates regular meditation in their everyday routines, it can be effective in controlling pain sensations. With mindfulness meditation, pain can be alleviated. Moreover, the quality of life also improves. Those who suffer from chronic pain may find meditation useful as it lowers the risk of depression. Those who meditate have been known to develop higher tolerance towards physical pain. Improved concentration levels Mindfulness meditation increases the ability to focus on the present. It is similar to weight-lifting, but for the brain. This can improve concentration levels required for the other tasks in everyday life. According to research, mindfulness is linked to one’s ability to process new information. It gives a boost to emotional regulation, memory, and learning ability. Moreover, this can help in reversing patterns of worrying and wandering minds. All of this can give more clarity, allowing greater decision-making capability. Meta-awareness and attention can be trained through mindfulness meditation and focused-attention meditation. Lower risk of age-associated memory loss With meditation, there is improvement in attention. In addition, there is improved clarity of thought. A form of meditation that involves repeating a chant or mantra has been known to improve neuropsychological performance. Along with chanting, the meditating process also involves repetitive motions of the fingers. This helps to focus thoughts. Moreover, different forms of meditation have been known to boost memory, attention, and mental agility, especially in older adults. Along with slowing down age-related memory loss, meditating can help to control stress that is often a major contributor to memory loss. Better management of depression and anxiety Dwelling on anxious thoughts is one of the major factors contributing to depression. With mindfulness meditation, the mind can be trained to focus on the present. Practicing mindfulness over a longer duration can alleviate anxiety. It also helps in easing symptoms of depression. In many cases, meditation is often a part of comprehensive mental health treatment plans. From correcting troubled sleeping patterns, appetite loss, and moodiness, mindfulness-based mediation can go a long way in making it easier to manage anxiety and depression. Better self-esteem Mindfulness and meditation encourage a person to slow down. These practices help to follow deeper self-reflection. Along the way, a person gains the ability to discover positive attributes about themselves. A person is able to examine their feelings, emotions, and thoughts without any judgment. This boosts self-awareness. It also helps in improving social anxiety symptoms. All of these help in gaining a better sense of self-esteem.
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Important things to know about prayer beads
Tibetan prayer beads

Important things to know about prayer beads

If you have been practicing meditation or yoga for a long time, you probably have come across prayer beads. You can find these Buddhist beads, alternatively referred to as Tibetan prayer beads, in sculptures or paintings of Buddha where he is seen holding these beads. Although it is quite a common sight, few actually know about Tibetan prayer beads. This article elucidates on some important points related to prayer beads. Prayer beads have been used across the globe for thousands of years. They play a vital role in various cultures and countries for meditation purposes. Some records claim that beads were first noticed in Nepal and India. They have been used across different religions, such as Catholicism and Hinduism, among others. Advantages of prayer beads Prayer beads can help you with various aspects of meditation, a practice that provides numerous health benefits. Meditation can contribute to lowering blood pressure, improving sleep, and reducing stress levels. However, many people face difficulties while meditating, particularly at the start. This is when prayer beads prove to be useful, as they keep you focused while meditating. The constant movement of your fingers around the beads helps in grounding you. When you touch each bead, you say a chant so you can keep a count of the number of times you have repeated the chant. Composition of prayer beads Traditionally, they consist of 108 beads along with a guru bead, which has a tassel and is bigger than all the other beads. How significant is the number of beads Usually, traditional Tibetan prayer beads have 108 beads. This number is considered sacred in Buddhism and Hinduism. However, if you feel that 108 is a lot, you can purchase a necklace with 27 or 54 beads. Some necklaces have beads of different shapes after the 27 th bead. So, you can keep track of your repetitions efficiently. Such prayer beads also allow for shorter meditation periods. How can you use prayer beads for meditation? Breath control and repetition of the chant are two key starting points while using prayer beads during meditation. It is advisable to focus on your breathing while meditating. You can use prayer beads for managing your breath by: Holding the prayer beads in one hand Allowing the beads to drape around your fingers so that you may move them with ease Inhaling and exhaling one full breath Moving the fingers to the next bead; breath in and out once for each bead Concluding at the guru bead to finish 108 breaths Moving your fingers in the other direction until you again reach the guru bead if you wish to do another round. While following these steps, you may repeat a chant, which can be a sound, word, or phrase to be aware of during meditation.
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Health

Healing Prayers and Their Health Benefits

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Help people cope with difficulties During difficult or stressful times, prayers can help one feel hopeful and resilient or release their sense of control, relinquishing it to a higher power or truth. This can provide a powerful framework for coping with stress or grief, reducing the risk of anxiety or depression. Enhance gratitude Prayers often involve practicing gratitude and compassion. This may help people let go of any ill or negative feelings they may be harboring, helping them feel lighter and boosting overall health. Promote mindfulness Some forms of prayer and spiritual practices, such as meditation, promote awareness of the present. This could help people control their thoughts and emotions, ground them in the current moment, create a connection between the mind, spirit, and body, and offer peace or mindfulness. According to a recent study published in Frontiers in Psychology, engaging in a daily 10-minute centering prayer significantly reduced stress levels among college students. Help support physical health Some studies also suggest that prayers may help support physical health in the following ways: Reduce stress: Healing prayers often induce a relaxation response, which can aid in reducing stress and anxiety levels and calming the cardiovascular system. This can have physiological benefits, such as lowered heart rates, blood pressure, and oxygen consumption. Praying can help reduce stress levels, boost immunity, and manage pain. Raise immunity: High stress levels may also lead to chronic inflammation. According to research, there is a strong correlation between chronic inflammation and aging. This may result from the negative impact of stress on the thyroid and adrenal glands. Over time, this may lead to low immune function and raise the risk of conditions such as atherosclerosis, diabetes, and cardiovascular diseases. Reduce the risk of Alzheimer’s: Spiritual practices such as praying and meditation may also act as a natural buffer against age-related conditions such as Alzheimer’s and arthritis. While praying may not be enough to prevent the onset of these conditions, it may help delay them, reduce symptoms, or slow down their progress. Based on research and anecdotal evidence, prayers appear to have several healing qualities – both physical and emotional. To introduce this practice into one’s daily life, here are some tips that may help: Form a habit: Praying at the same time every day may help one establish some time apart for connecting with themselves and the powers they believe in. Set aside five to ten minutes daily to pray or meditate, and do it consistently. Keep it simple: Praying and meditation do not require significant investments. 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Natural Remedies That Boost Sleep Quality
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Natural Remedies That Boost Sleep Quality

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Buy bean bag chairs to relax in style
Chairs

Buy bean bag chairs to relax in style

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Natural Remedies for Depression
Health

Natural Remedies for Depression

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