Credit Cards

The Best Hotel Credit Cards for 2015

In Part 4 of this series, I write about the best hotel credit cards. If you missed the other parts, I already covered the best all-around rewards credit cards, best airline credit cards, and the best cash back credit cards. In 2015, the best hotel credit cards still offer impressive perks and rewards for frequent …

Best Rewards Credit Cards of 2015

My Favorite Rewards Credit Card combo for 2015 Chase Sapphire Preferred® + Chase Freedom® 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 …

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 International Credit Cards With No Foreign Transaction Fee

If you plan on traveling overseas for any reason, you’ll want to make sure you have at least one international credit card that doesn’t charge a foreign transaction fee. Since most traditional credit cards charge a fee equal to 1%-3% of every purchase you make in a foreign country, you can save money and expand …

Will Getting Multiple Credit Cards Hurt My Credit Score?

As a credit card rewards enthusiast and credit expert, I am constantly asked the same set of questions. Not only do people want to know if credit card rewards are “real,” but they also want to know how pursuing them will affect their credit. And it makes sense to be cautious. As we know, your …

Eight Hidden Benefits of Credit Cards

In 2013, Lance Cothern and his fiancé, Victoria, purchased a $250 wedding dress from a retailer based in China. Unfortunately, while the dress arrived intact, it wasn’t exactly what the pair had hoped for. “She loved the dress she saw in the picture,” explains Lance, who writes at MoneyManifesto.com. “Unfortunately, the dress that arrived at …

Best Credit Cards of 2015

What makes a credit card the best? The best credit cards on the market come with plenty of perks that you can’t get with any other product. Those special perks can include things like cash-back rewards, travel insurance, and price protection. Or, they can get you free travel, make your life easier with concierge services …

Categories: Credit Cards

Best Unsecured Credit Cards for Bad or Average Credit

Getting an unsecured credit card is one of the best – and easiest – ways to begin building your credit. Unfortunately, some of the best unsecured credit cards are only available to those with long credit histories and excellent credit scores. That’s why we created this list of unsecured cards for people with bad credit. …

Rotating Rewards: Smart Summer Buys in Discover and Chase Freedom Categories

When it comes to maximizing credit card rewards, many people choose to never pay an annual fee. That way, they never have to worry about canceling the card if they stop using it enough, or the impact on their credit if they do. Two excellent rewards cards that can help you maximize rewards without ever …

Will I Still Earn Rewards Points If I Pay Off My Card Early?

Chances are, you’ve heard and believed at least one “credit card myth” before. For example, people love to talk about the fact that pursuing credit card rewards will ruin your credit – a “fact” that is not only unproven, but patently false. Others love to spread the idea that having more than one or two …

The State of American Credit Card Debt in 2015

Americans continue to dig a deeper hole when it comes to credit card debt. According to the Federal Reserve and other government statistics, our penchant for indebtedness means that the average household now owes $7,281 in credit card debt alone. But here’s the thing – that average includes even those who carry no debt at …

The Best Credit Cards for Bad Credit

Featured Cards Credit One Bank® Credit Card with Gas Rewards Total VISA Credit Card USAA Secured Card® Platinum MasterCard® Apply Now Apply Now Apply Now If your credit is less than perfect, you may have trouble qualifying for new credit. Meanwhile, it can be difficult to improve your credit history if you’re not actively trying. …

Categories: Credit Cards

Best Secured Credit Cards

The best secured credit cards can help you repair poor credit or establish a credit history if you have none. While secured credit cards are very different than regular credit cards, they can be a valuable tool in the hands of educated, responsible borrowers. Whether you’re just starting out or rebuilding your credit, we recommend …

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

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 …

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