Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial account based on the financial transaction data, and charging an amount to the financial account. The amount may comprise a fixed amount that may be the same for all values of the balance. Furthermore, the disclosed systems and methods may include charging an amount to the financial account in which the amount comprises a first fixed amount if the balance is less than or equal to a break-point value and in which the amount comprises a second fixed amount if the balance is greater than the break-point value. The first fixed amount may be the same for all values of the balance less than or equal to the break-point value. And the second fixed amount may be the same for all values of the balance greater than the break-point value.

Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial account based on the financial transaction data, and charging an amount to the financial account. The amount may comprise a fixed amount that may be the same for all values of the balance. Furthermore, the disclosed systems and methods may include charging an amount to the financial account in which the amount comprises a first fixed amount if the balance is less than or equal to a break-point value and in which the amount comprises a second fixed amount if the balance is greater than the break-point value. The first fixed amount may be the same for all values of the balance less than or equal to the break-point value. And the second fixed amount may be the same for all values of the balance greater than the break-point value.

Abstract: Methods, systems, and articles of manufacture for providing a benefit credit card products to customers are disclosed. A financial account provider provides a consumer with a benefit financial account that having conditions associated with it to be used to compare against purchase transactions. The financial account provider applying different account parameters to the purchase transactions to the financial account that satisfy conditions associated with the account than it would apply against standard transactions. The financial account has one or more benefit account parameters that include terms that are more beneficial to the customer than terms associated with the standard account parameters. For example, the benefit account parameter may include an interest rate that is lower than the interest rate included with standard account parameters if a customer purchases exceed a certain amount.