Credit Cards

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 …

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 …

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, …

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 …

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

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