Credit Cards

Eight Tips to Make Credit Cards Work for You, Not Against You

A credit card can be a valuable tool if you know how to use it properly. Likewise, using credit cards irresponsibly can lead to a world of hurt. If you need an example of how badly things can go, look no further than your neighbors, friends, and relatives. According to the most recent statistics, the …

How to Create a Budget With a Credit Card

In the world of personal finance, it’s not very often that you hear “credit card” and “budget” used in the same sentence. Still, I have to be honest here. As a credit card rewards enthusiast and zero-sum budget expert, people are constantly asking me how I reconcile those two opposite areas of interest. My answer? …

Protecting Against Credit Card Fraud

With credit cards quickly becoming the most popular form of payment around the globe, it’s no wonder that credit card fraud is on the rise. According to the Department of Justice, as much as 10% of the adult population in the U.S. has been a victim of credit card fraud as of 2013. Still, credit …

Categories: Credit Cards

Best Hotel Rewards Programs

The best hotel rewards programs ease the burden of high-cost travel, which is a good thing since traveling with a family can be prohibitively expensive. After all, airfare and lodging for four people can be a budget-breaker. A 2013 survey from American Express showed that the average travel expense per person in the United States is …

Categories: Credit Cards, Travel

Looking for Travel Insurance? Check Your Wallet First

Just last winter, my husband and I took a much-anticipated vacation to Jamaica with some friends. Not only was it a nice way to break up the cold Midwestern winter, but it was also nice just to get away. That’s probably why we paid so little attention to what was going on back home; we …

How to Save Money With a Balance Transfer

When you’re carrying a lot of high-interest debt, it’s hard to imagine how another credit card can possibly help your situation. However, the right kind of credit card – a balance transfer card – may actually provide some relief. But before you can realize the benefits of a balance transfer, you have to consider how …

How to Earn Double Rewards – or More – for Dining Out

When it comes to earning credit card rewards points or cash back, there are a number of different strategies to consider. For example, some people opt to sign up for new cards frequently in order to rack up as many signup bonuses as possible. Meanwhile, others choose to stick with a few cards and maximize the …

Rack Up Credit Card Rewards for Your Business Expenses

We’ve all heard how much individuals can earn by taking advantage of credit card rewards, but did you know there are a ton of lucrative rewards available for businesses, too? Applying for these cards might be tempting if you spend a lot on purchases for your business, hobby, or side hustle. The Ink Plus® Business Credit Card, …

Best Rewards Credit Cards of 2015

My Favorite Rewards Credit Card for 2015 Chase Sapphire Preferred® 2015 marks a big year for changes to many of the best credit cards in the U.S. By October of this year, you will most likely be issued new cards containing a microchip. It seems that EMV technology, which boasts better security (a microchip instead …

Best Cash Back Credit Cards for 2015

In 2015, you won’t see significant changes from many of the best cash back credit cards, but there are a few improvements with rewards programs that will benefit cardholders. For example, some of the rotating category cash back credit cards have now added groceries as a quarterly item to earn rewards on. In the past, …

Best Travel Credit Card for 2015

Spring break is already upon us, and if you’re looking to plan an upcoming summer vacation, the best travel rewards credit cards can help you come up with some extra savings on airfare, hotels, and general travel. All of these top travel cards offer lucrative points bonuses and superb options to earn and use points …

Best No Annual Fee Credit Cards

If you’re looking for a credit card you can keep for the long haul, the best credit cards with no annual fee should be at the top of your list. Choosing a credit card without ongoing fees means that you’ll never have to cancel it if you don’t want. Meanwhile, you can use the card …

Getting the Most Out of Your American Express Rewards Points

When it comes to earning points and miles, it often pays to focus on flexible, versatile points that can be redeemed in a number of ways. Fortunately, American Express offers its own flexible rewards program that allows consumers to earn travel rewards without being tied down to a specific loyalty program or travel currency. Here’s …

Chase Ink Plus Review

If you’re looking for a business card that offers both extreme rewards and valuable perks, look no further than the Chase Ink Plus® Business Credit Card. Not only do you earn one point per dollar spent on all purchases made with the card, but you also get the opportunity to earn an astonishing number of points …

Guide to the Gift Card Economy

Love ‘em or hate ‘em, gift cards continue to be one of the most popular presents to give and receive. According to a study by CEB Tower Group, Americans loaded over $124 billion onto gift cards in 2014, much of which was gifted in the form of “e-gift cards” or mobile gift cards. But gift …

Chase Slate® Review

When it comes to paying off high interest credit card debt, you might be surprised to hear that getting another credit card could actually provide be the key. That’s because, some credit cards give you introductory 0% interest for a period of time often a year. The Chase Slate® gives you 0% for a full …

Best Low Interest Credit Cards for 2015

Before searching for the best low interest credit card, you should first understand what “low interest” really means. Most credit cards offer interest rates that fall somewhere in between 4.9% and 24.99%, with the highest interest rates charged to individuals with the worst credit. If you have good or decent credit, you should aim for …

Chase Freedom® Review

The Chase Freedom® card is a top rewards card that offers users the opportunity to earn anywhere from 1-5% cash back on your purchases. Not only can you redeem points for statement credits (“true” cash back), you can also redeem your Ultimate Rewards points for other valuable benefits such as gift cards, products, and even …

Categories: Credit Cards

Best Credit Cards for Students in 2015

When used responsibly, the best credit cards for college students become valuable tools that can help accomplish two crucial financial tasks: They help teach money management, and they help students establish the credit they’ll soon need to rent an apartment, buy a car, or even get a rewards credit card. Unfortunately, college students and credit …

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