Articles written by Holly Johnson

Holly Johnson

Holly Johnson is a financial expert and award-winning writer who serves as Contributing Editor for The Simple Dollar. Holly runs her own website, ClubThrifty.com, and writes for well-known publications such as U.S. News, World Report Travel, The Indianapolis Star, and Wise Bread. She is the co-author of Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love.

5 Hidden Financial and Social Impacts of America’s Student Loan Debt Problem

Holly Johnson August 15, 2023 • 5 Minute Read
Read On

While there are many shocking statistics regarding American problems with student debt, one figure stands out from them all. As of early 2023, Americans owe over $1.77 trillion dollars toward student loans. No, that is not a typo! This record-breaking sum is spread among over 44 million borrowers, yet the individual burden is still astronomical.
7 Debt Consolidation Truths You Need to Know

Holly Johnson July 18, 2023 • 4 Minute Read
Read On

If you are someone who can’t seem to stop racking up more credit card debt, a debt consolidation loan may be exactly what you need. Before you start shopping around for another loan, here’s everything you need to know.
Which Credit Cards Should You Use on Amazon?

Holly Johnson July 10, 2023 • 5 Minute Read
Read On

Shopping on Amazon is even better if you make all your purchases with the right credit card. CreditSoup has the best cards to use on Amazon when shopping on Prime Days.
How to Boost Your Credit Score Quickly So You Can Earn Rewards

Holly Johnson June 14, 2023 • 5 Minute Read
Read On

Earning cash back or travel rewards can be a dream come true, but it’s a dream that’s out of reach for many. The reality is, rewards and travel credit cards are only available to consumers with good or excellent credit. The rest of the world is forced to miss out, relying on boring credit cards with few perks or benefits.
How Do Credit Scores Vary by Age and Region?

Holly Johnson June 12, 2023 • 4 Minute Read
Read On

Most people don’t realize how important their credit score is until it’s time to purchase a home, finance a car, or borrow money for any other reason. It’s always smart to know your current credit score, as well as the steps you can take to improve it.
9 Ways Credit Card Rewards Have Reshaped Our World

Holly Johnson May 24, 2023 • 6 Minute Read
Read On

According to a 2021 report from the American Banking Association, consumers are more aware than ever before of the upside to having the right rewards card in their wallet. In addition to rewards for ongoing spending, generous signup bonuses are upping the ante and making credit card rewards even more attractive. With all these perks, our world will never be the same. Here are 9 ways credit card rewards have reshaped life as we know it.
Summer Vacation Options that Won’t Break Your Budget

Holly Johnson April 16, 2023 • 6 Minute Read
Read On

Summer will soon be in full swing, and the long sunny days are likely making you long for some fun time away. There’s no better time to soak up all this world has to offer than during the warm summer months. There’s just one problem: How can you take a vacation when you’re on a budget?
Joint Finances: How Sharing Money Can Bring Couples Closer

Holly Johnson April 11, 2023 • 5 Minute Read
Read On

There’s a reason the divorce rate hovers around 40 to 50 percent at any given time. Marriage is hard, and it often comes with issues you can’t foresee. You marry “in sickness and in health” and “for rich or for poor,” but that doesn’t mean you actually expect the worst-case scenario to happen. And when life gives you lemons, divorce is often the easiest way out.
Stuck with Holiday Credit Card Bills? Here Are Your Best Options

Holly Johnson December 7, 2022 • 5 Minute Read
Read On

Holiday debt isn’t always planned. Sometimes you head into the holiday season believing you’ll be able to pay off all the gifts you charge to a credit card, but then “life happens”. If you’re wondering what steps to take now, you may be surprised to find your credit card could actually help you get out of debt.
Should You Use Credit or Debit for Your Holiday Shopping This Year?

Holly Johnson November 1, 2022 • 5 Minute Read
Read On

Sticking to your holiday shopping budget can be tricky no matter how you pay. After all, you may have a dozen people on your holiday shopping list, and potentially more. Finding the perfect gift for everyone is hard enough, let alone finding gifts that are within your price range.
5 Reasons to Let Your Teen Have Their Own Credit Card This School Year

Holly Johnson September 30, 2022 • 4 Minute Read
Read On

Giving your teenager a credit card that you’re ultimately responsible for may sound like a recipe for disaster, but you could be doing your child a huge favor. Giving them their own card along with strict spending limits and boundaries can help them learn how to live within limits and use credit responsibly.
Easiest Store Credit Cards to Get

Holly Johnson September 25, 2022 • 4 Minute Read
Read On

If you’re just starting out and looking for ways to build a positive credit history, a store credit card may be exactly what you need. Store cards are much like regular credit cards, except that they are meant to be used with a single retailer — or a collection of partner retailers.
Why Lowering Your Expenses Should Be Your #1 Financial Goal This Year

Holly Johnson August 20, 2022 • 4 Minute Read
Read On

Lowering your expenses isn’t always easy. To really cut your spending, you may need to take some uncomfortable steps in your life – steps like using a budget for the first time, giving up expensive hobbies like going to bars or dining out, and avoiding situations where you’re tempted to spend.
5 Hacks to Earn Rewards Without Impulse Shopping

Holly Johnson May 27, 2022 • 4 Minute Read
Read On

The best rewards credit cards make it easy to earn points or miles for each dollar you spend. All you have to do is sign up for the right card, use it for all your regular purchases, and watch your rewards add up over time. Learn to use credit to your advantage and avoid common pitfalls like overspending and credit card debt. Here are some tips that can help.
Should You Marry Someone with Bad Credit?

Holly Johnson May 12, 2022 • 5 Minute Read
Read On

According to recent studies, a little over half of Americans said they would not marry someone who has “bad” credit, or an extremely poor credit score. Funny enough, consumers seem to have a brighter outlook when it comes to credit card debt.
8 Cheap Summer Vacation Ideas with Kids

Holly Johnson April 29, 2022 • 5 Minute Read
Read On

There are plenty of ways to make family memories without spending a bundle. If you’re angling for a summer vacation with kids that won’t blow your budget out the window, consider these low-cost and mid-tier vacation ideas.
How to Get Your First Credit Card

Holly Johnson October 29, 2021 • 4 Minute Read
Read On

Getting your first credit card is a huge adult milestone just like getting your first car or your first bank account. The problem is, it can be difficult to get approved for a credit card just because you want one.
9 Ways to Get Married for Less

Holly Johnson September 10, 2021 • 4 Minute Read
Read On

If you’re someone who isn’t too keen on spending money you don’t have (or borrowing money) for your wedding day, it’s smart to look for ways to whittle down costs. Here are nine ways to get married for less.
Credit Score Myths You Can Ignore

Holly Johnson August 5, 2021 • 5 Minute Read
Read On

To help you cut through the nonsense and find out the steps you can take to help your credit score in the long run, we decided to break down the top credit myths you hear today. Feel free to ignore these myths from this day forward.
Can Credit Cards Help You Accomplish Your New Year's Money Goals?

Holly Johnson January 3, 2021 • 5 Minute Read
Read On

While many people will spend the new year digging out of holiday debt, the rest of us have the potential to use credit cards to improve our financial situations — or our lives — for the better. Here are a few ways credit cards can further your new year’s money goals.
Free Travel Strategies Using Credit Card Signup Bonuses

Holly Johnson September 22, 2020 • 7 Minute Read
Read On

If you’re new to the world of travel credit cards, you’re probably wondering how to best stretch the initial bonuses you can earn as far as they can go. To get the most out of credit card signup bonuses, you need a few essential travel strategies under your belt. Don’t worry - they’re not that complicated.
How to Create a Mid-Year Money Goals Review

Holly Johnson July 22, 2020 • 5 Minute Read
Read On

Building wealth is a long-term game that requires patience and forward thinking. Of course, those who start saving and investing early tend to have the best results. For that reason, it’s smart to create annual goals as well as five-year, ten-year, and even twenty-year financial goals.
What Is a Recession? And How Do I Prepare For It?

Holly Johnson March 31, 2020 • 5 Minute Read
Read On

Coronavirus, which causes COVID-19, has threatened to shut down our businesses and our lives for weeks and months to come. All of a sudden, our economy went from a period of rapid growth into a barrel roll toward a recession in a matter of weeks.
How Banks and Credit Card Issuers are Helping Consumers During the COVID-19 Crisis

Holly Johnson March 25, 2020 • 4 Minute Read
Read On

Economic upheaval caused by COVID-19 will come with some inevitable consequences, and that’s particularly true when it comes to consumer finances. Banks and lenders are doing their part to lessen the damage and make keeping up with bills considerably easier.
Alaska Airlines Visa® Business Credit Card Review

Holly Johnson November 20, 2019 • 5 Minute Read
Read On

Consumers looking for a new airline loyalty program may be surprised at just how versatile miles earned with the Alaska Airlines program can be. No matter what you think, these miles are good for a lot more than a trip to the “Last Frontier.”
Walmart Credit Card Review: Is It Right for You?

Holly Johnson August 6, 2019 • 5 Minute Read
Read On

If you’re a frequent shopper at Walmart stores, you may be wondering if you could benefit from one of their co-branded credit cards. Before you decide, it helps to know about the different cards the nation’s biggest retailer offers along with how their benefits work.
Southwest Airlines Has 3 Credit Cards: Which One Should You Get?

Holly Johnson June 28, 2019 • 4 Minute Read
Read On

While many consumers earn their points via flying, Southwest Airlines also offers a handful of co-branded travel credit cards with Chase that let you earn points via credit card spending. These cards make it easy to earn rewards you can redeem for free flights, rental cars, hotels, gift cards, and more.
8 Credit Card Considerations When Traveling Internationally

Holly Johnson June 26, 2019 • 5 Minute Read
Read On

Before you begin planning for your first overseas trip, it helps to know how credit cards factor in. You should absolutely bring one with you — and maybe even more than one — but there’s more to planning your trip than simply packing a credit card in your wallet before you hit the road.
Lowe’s Advantage Card Review

Holly Johnson June 17, 2019 • 5 Minute Read
Read On

If you spend a lot of money on home improvement supplies at Lowe’s, you may be wondering if the Lowe’s Advantage Card is worth signing up for. This card gives you 5% off all purchases made with your account in the store, after all. This generous discount could easily lead to thousands of dollars in savings over time depending on how much you spend in the store.
Best Buy Visa® Card Review

Holly Johnson June 7, 2019 • 4 Minute Read
Read On

If you constantly find yourself at Best Buy stores when you’re ready to purchase appliances, electronics, and gadgets for all your home entertainment needs, you may be wondering if the Best Buy Visa® Card is worth it.
Sam's Club® Mastercard® Review

Holly Johnson June 5, 2019 • 5 Minute Read
Read On

If you spend a lot of time at Sam’s Club and prefer to shop there instead of at traditional grocery stores, you may want to consider picking up the Sam's Club® Mastercard®. This card offers exceptional rewards on Sam’s Club gas purchases along with travel and dining spending, and all with no annual fee.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Review

Holly Johnson May 29, 2019 • 5 Minute Read
Read On

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a popular option among airline credit cards for a few reasons. Not only can you earn a big signup bonus with this card, but you can redeem your miles for flights around the globe.
Rewards Credit Cards Overview: 5 Types of Cards and How They Work

Holly Johnson May 25, 2019 • 8 Minute Read
Read On

If you have ever wanted to travel the world, earn cash back for a rainy day, or rack up points good for gift cards or merchandise, a rewards credit card might be exactly what you need. After signing up a for rewards card, you can easily earn 1-5 points worth of cash back, gift cards, merchandise, or travel rewards for each dollar you spend.
The Best Ways to Avoid Foreign Transaction Fees

Holly Johnson May 23, 2019 • 5 Minute Read
Read On

There are the financial aspects of your trip — as in, how much is all of this going to cost? While traveling overseas doesn’t have to be expensive, there are plenty of financial pitfalls to be aware of, and that includes foreign transaction fees.
Are RFID Blocking Wallets Worth the Effort?

Holly Johnson May 20, 2019 • 4 Minute Read
Read On

In case you’re wondering how an RFID blocking wallet works, keep in mind that thieves are forced to try increasingly complex schemes as technology improves. RFID blocking wallets, sleeves, and other products with RFID protection block fraudsters from stealing information from RFID-enabled credit cards.
TJ Maxx Credit Card Review

Holly Johnson May 13, 2019 • 7 Minute Read
Read On

If you’re a bargain shopper who lives for deals at stores like TJ Maxx, HomeGoods, Marshalls, Homesense, and Sierra Trading Post, you may be excited to hear that this collection of stores recently came out with their own co-branded credit cards.
5 Reasons to Skip Travel Rewards and Pursue Cash-Back Instead

Holly Johnson April 24, 2019 • 4 Minute Read
Read On

Rewards vs. Cash Back? Cash-back may not always be as lucrative, but there are a lot fewer hoops to jump through with a cash-back rewards program. Check out these 5 reasons you should skip travel rewards and go for the cash back.
Top Rewards Cards for Summer 2018 Travel

Holly Johnson April 23, 2019 • 4 Minute Read
Read On

Fortunately, your summer getaway doesn’t have to break the bank. There are myriad travel credit cards that can make your summer getaway both cheap and fun, although the right card for your needs depends on where you want to go and your travel style.
GM BuyPower Business Card from Capital One® Review: Earn Up to 5% Back Toward New GM Vehicles

Holly Johnson March 29, 2019 • 5 Minute Read
Read On

If you own your own small business and prefer to purchase or lease a brand new vehicle every few years, the GM BuyPower Business CardTM from Capital One® could be a smart addition to your wallet. This card lets entrepreneurs and business owners earn tiered rewards for every dollar they spend with no annual fee.
You May Never Have to Sign a Credit Card Slip Again

Holly Johnson March 8, 2019 • 4 Minute Read
Read On

Each of the major credit card issuers — Visa, Mastercard, Discover, and American Express — pulled together to stop requiring credit card signatures as of 2018. The move was the result of careful planning amidst a transition toward greater credit card security over all.
Blue Cash Preferred® Card from American Express: A Review

Holly Johnson March 6, 2019 • 4 Minute Read
Read On

The Blue Cash Preferred® Card from American Express is a cash-back credit card that works for people who want to keep their rewards game on the simple side. Not only does this card offer a big signup bonus, but it lets you earn considerable rewards in categories people tend to spend the most in.
Barclaycard Ring® Mastercard® Review 2019

Holly Johnson February 27, 2019 • 5 Minute Read
Read On

While travel rewards and cash-back credit cards provide lucrative perks, they work best for consumers who never carry a balance on their cards from month to month. After all, the average credit card APR is currently well over 17%. It doesn’t make any sense to pursue rewards if you’re carrying a balance since the interest you pay will add up to way more than any rewards you earn.
Ink Business Preferred® Credit Card — The Must-Own Business Credit Card

Holly Johnson February 22, 2019 • 6 Minute Read
Read On

We love the Ink Business Preferred® Credit Card because it offers a little bit of everything on this list. Not only does it offer lucrative rewards you can use in several different ways, but you get insurance products and consumer protections, too.
Disney World with Rewards? Yes, It’s Possible

Holly Johnson February 15, 2019 • 5 Minute Read
Read On

Disney World in Orlando, Florida may just be the holy grail of vacations for most Americans, but that doesn’t mean it’s affordable. If you want to take savings up a notch, you can even earn rewards in programs that let you book airfare, hotel stays, and other components of a Disney trip for free.
Discover it® Balance Transfer Review

Holly Johnson January 31, 2019 • 5 Minute Read
Read On

If you’re in debt and struggling to figure a way out, you are not alone. According to a Northwest Mutual Planning & Progress study from 2018, the average debt per American is up to $38,000 (excluding mortgage debt). Two in every ten people also allocate 50% to 100% of their income to debt repayment, which is a recipe for disaster.
Capital One Platinum Credit Card Review

Holly Johnson January 30, 2019 • 5 Minute Read
Read On

If you’re trying to build credit or repair credit mistakes from the past, the Capital One Platinum Credit Card may be exactly what you need. Keep reading to learn how you could qualify, the benefits you will receive if you get approved, and where this card comes up short.
Bank of America® Business Advantage Cash Rewards Mastercard® credit card Review

Holly Johnson January 30, 2019 • 4 Minute Read
Read On

A business credit card can be a valuable tool if you know how to take advantage of cardholder benefits. Not only can having a business card in your wallet help you keep your personal and business transactions separate, but you can earn valuable rewards and consumer protections each time you make a purchase.
How to Earn Airline Miles Without Paying an Annual Fee

Holly Johnson January 19, 2019 • 4 Minute Read
Read On

The high cost of airfare is just one of the reasons many families pursue airline miles. Not only can airline miles help you travel the world for free, but you can use them for better seats and upgraded cabins that make flying more of an experience.
Will a New Rewards Credit Card Harm My Credit Score?

Holly Johnson December 31, 2018 • 4 Minute Read
Read On

It’s smart to wonder how getting a new credit card will affect your credit score. After all, your credit score can impact the interest rate you’ll pay on credit cards and other loans. Learn more about your credit score and if a new rewards credit card would harm it.
Why Gift Cards Could Be the Worst Holiday Gift You Can Give

Holly Johnson December 14, 2018 • 4 Minute Read
Read On

With so much thought and money poured into the holiday spending season, it’s easy to wonder why we still give our dear family members and friends gift cards each year. When you really think about it, gift cards are easily the most generic gift you can give!
New FICO Scoring Model Could Be Coming: What This Means

Holly Johnson November 26, 2018 • 4 Minute Read
Read On

If you believe this new scoring model could benefit you, it’s important to understand how your banking data could play a role. FICO has mentioned how your checking, savings, and money market history can be used to boost your credit score in some cases, but what does that mean?
Earn 10% Back on Holiday Shopping with A Single Cash-Back Card

Holly Johnson November 20, 2018 • 5 Minute Read
Read On

While an array of cash-back credit cards can help you maximize your holiday spending, one card — the Discover it® Cash Back — is offering more rewards than its competitors in certain categories. However, there are a few caveats to consider.
Best Rewards Cards for Holiday Shopping

Holly Johnson November 18, 2018 • 5 Minute Read
Read On

If you plan to shop for Thanksgiving, Christmas, Hanukkah, or other winter holidays this year, it’s only natural to wonder if a credit card could leave you better off. After all, many credit cards offer travel rewards or cash-back and some offer consumer protections such as guaranteed returns and extended warranties.
Discover it® Cash Back Review

Holly Johnson November 18, 2018 • 5 Minute Read
Read On

If you’re looking for a way to earn more than the standard 1% cash back many no-fee rewards cards offer, you may want to consider the Discover it® Cash Back.This card does offer unlimited 1% cash back on your everyday purchases, but you also earn 5% cash back on up to $1,500 spent in categories that rotate each quarter.
Capital One Quicksilver Cash Rewards Credit Card Review

Holly Johnson November 7, 2018 • 5 Minute Read
Read On

The Capital One Quicksilver Cash Rewards Credit Card offers an exceptional rate of cash-back without charging an annual fee. In addition to ongoing rewards, consumers can also earn bonus cash just for signing up and meeting a minimum spending requirement.
Why You Should Cover Childcare and Other Bills with a Credit Card

Holly Johnson October 16, 2018 • 5 Minute Read
Read On

When it comes to earning credit card rewards, there are two main strategies to consider. You can focus on signing up for new cards to earn signup bonuses regularly, or you can do your best to maximize earnings on the cards you have.
What is the Best Discover Credit Card?

Holly Johnson October 8, 2018 • 5 Minute Read
Read On

If you’re in the market for a new credit card this year and think a Discover card could meet your needs, it helps to gain an understanding of each card’s unique value proposition. This guide breaks down the benefits of each card as well as who it’s good for.
Worried About Your Identity? Now You Can Freeze Your Credit for Free

Holly Johnson October 2, 2018 • 5 Minute Read
Read On

While many people have kept an eye on their credit by signing up for free credit monitoring or paying for an identity protection service like LifeLock, there has been another option on the table for some time now — freezing your credit. Through a credit freeze, Americans have had the opportunity to stall their credit and make it unavailable to anyone who tries to open an account in their name.
What’s the Best Way to Avoid Bank Overdraft Fees?

Holly Johnson October 1, 2018 • 5 Minute Read
Read On

When it comes to choosing a bank, there are several ways to keep costs at a minimum while scoring valuable benefits. You can opt for a bank that offers free checking, high interest savings account options, or online banking perks that make paying bills or making deposits easy, for example.
Should You Get the Capital One® Spark® Cash for Business?

Holly Johnson September 28, 2018 • 5 Minute Read
Read On

Think about considering a flat-rate rewards card such as the Capital One® Spark® Cash for Business. This card doles out an unlimited 2% back for each dollar you spend, meaning you’ll never have to wonder if you’re maximizing bonus categories or approaching an earnings cap.
What is a Good Credit Score?

Holly Johnson September 20, 2018 • 5 Minute Read
Read On

Like it or not, your credit score may play a bigger role in your life — and your lifestyle — than you think. It all starts with knowing what a good credit score is and the steps you can take to achieve this milestone. Keep reading to learn more about credit score ranges and how to improve your score over the long haul.
FICO vs. VantageScore: What’s the Difference?

Holly Johnson September 6, 2018 • 4 Minute Read
Read On

Your credit score is an important measure of your overall credit health that can help — or stand in the way of — myriad financial goals. Although it isn't necessarily easy to understand, there are similarities to both your FICO score and VantageScore. Learn more now about each of these factors and what you can do to help improve your scores.
Best Personal Loans for Debt Consolidation

Holly Johnson August 23, 2018 • 4 Minute Read
Read On

If you want to get out of debt this year and know a personal loan could help, it’s smart to compare loan companies to see what they can offer. Read on to learn about the services that offer personal loans with low rates and could help you save money on interest, pay down debt faster, and simplify your financial life.
Which Credit Cards are Best for Building Credit?

Holly Johnson August 22, 2018 • 5 Minute Read
Read On

Building credit can be difficult when you’re first starting out, and it may even seem impossible. It’s not always easy to find a bank willing to give you a credit card or line of credit when you don’t have a credit history, after all. If you're not sure where to start, a secure card might be best.
How Do I Get My Free Annual Credit Report?

Holly Johnson August 16, 2018 • 5 Minute Read
Read On

If the information in your credit report is negative or incorrect, this could spell disaster for your credit score and your ability to qualify for loans or other forms of credit. Checking your credit report, you are able to monitor your credit for signs of identity theft or fraud.
Money Lessons You Can Learn with a Personal Loan

Holly Johnson July 25, 2018 • 5 Minute Read
Read On

While personal loans have gotten a bad rap, there are benefits that come with taking one out. If you have good credit, personal loans can also come with competitive interest rates that are much lower than you would get with a credit card.
Why Flexible Travel Credit is Totally Underrated

Holly Johnson July 19, 2018 • 5 Minute Read
Read On

If you’re in the market for a travel credit card but feeling completely overwhelmed by all the different rewards programs available, you’re not alone. While earning travel rewards is fun for some, many people find that the sheer number of rewards programs, make the process of finding a card stressful.
Which Type of Loan Should You Get for a Home Remodeling Project?

Holly Johnson July 13, 2018 • 5 Minute Read
Read On

Whether you want to redo your kitchen, add a new bathroom, build a room addition, or create a new outdoor living space, your project won’t be cheap. If you are ready to remodel but need to borrow money to bring your project to fruition, here are the loan options you should consider.
Why You Should Get a Credit Card for Your Summer Vacation

Holly Johnson July 9, 2018 • 6 Minute Read
Read On

Whether you have some of your summer travel booked and paid for or you’re waiting to score a last-minute deal, you might be surprised to hear that one tool could help save you money or protect your financial investment. Here are 4 reasons you should consider getting a credit card before you depart on your summer getaway.
How to Raise Your Credit Score When You Can’t Get a Credit Card

Holly Johnson June 29, 2018 • 4 Minute Read
Read On

You may not be approved for a new credit card if your credit profile is thin or you have negative marks on your credit report, after all. Still, you’ll want to take steps to improve your credit whether you can get a new credit card or not. Here are four strategies that can make the biggest impact in the shortest amount of time.
4 Ways to Score Frugal Travel While You Pay Down Debt

Holly Johnson June 18, 2018 • 4 Minute Read
Read On

If you’re struggling with debt and know it will take you years to pay off, you’re not alone. You can travel frugally while you’re young and pay down debt, but you’ll need to avoid some pitfalls along the way. Here are 4 strategies you can use to see the world while you still can — without avoiding your responsibilities.
Can a Credit Card Actually Help Me Pay Off Debt?

Holly Johnson June 12, 2018 • 4 Minute Read
Read On

If you’re drowning in debt and struggling to find a way out, you may believe a new credit card is the last thing you need. While you are likely right when it comes to traditional cards, there is one type of card that could actually make paying down debt easier.
Top 4 Credit Cards for Investors

Holly Johnson June 5, 2018 • 5 Minute Read
Read On

With the right rewards card, you can easily earn up to 5% back on all your regular spending. Since you can achieve these returns without any effort or time invested, this is truly “free money,” provided you have the discipline to pay your bill in full each month.
8 Ways You Are Wasting Money Every Day (and How to Stop)

Holly Johnson May 29, 2018 • 4 Minute Read
Read On

To reach the end of the month (or the year) with extra cash to save and invest, you have to plug the holes in your sinking financial ship — and fast. The best way to do this is to figure out the ways you’re wasting money every day and stop doing it
7 Tips to Plan a Luxury Vacation for Less

Holly Johnson May 1, 2018 • 4 Minute Read
Read On

Planning any type of trip can be stressful when your funds are limited, but you have a real task at hand if you expect luxury for less. Fortunately, there are ways to score luxury for less if you’re willing to do things differently, and able to plan ahead. Here are 7 tips that can help you book sheer luxury for less.
Should You Stop Earning Credit Card Rewards Before You Buy a Home?

Holly Johnson April 19, 2018 • 5 Minute Read
Read On

Purchasing a home is an exciting and momentous occasion, but it’s one that’s often rife with stress. With that in mind, you may be wondering if credit card rewards could ruin your home purchase. Here’s the skinny on how credit cards can help — or hurt — your chances at getting a mortgage.
Best Rewards Cards for Spring Cleanup and Landscaping

Holly Johnson April 9, 2018 • 5 Minute Read
Read On

Not only can you earn a signup bonus for scoring a new card before your spring clean, but some cards offer additional points for home improvement purchases made this year. Here are some of the best cards for this year’s spring cleaning season.
The Absurd Costs of a Disney Vacation and What to Do Instead

Holly Johnson April 5, 2018 • 4 Minute Read
Read On

While nearly every parent dreams of taking their kids on a magical Disney vacation, not everyone can afford the outrageous costs required to visit a Disney park. Learn more about this magical vacation option and the alternatives for vacationing on a budget.
Bank Bonus “Gotchas” to Watch Out For

Holly Johnson March 20, 2018 • 4 Minute Read
Read On

As you explore bank bonus offers and decide which one to sign up for, it’s crucial to read the fine print so you can avoid the biggest gotchas and pitfalls. Learn more about these 5 fine print details you should absolutely be aware of.
6 Things You Should Know About the New World of Hyatt Program

Holly Johnson March 19, 2018 • 4 Minute Read
Read On

Love it or hate it, the World of Hyatt program appears to be working thus far, as rewards enthusiasts around the globe continue to take advantage and rack up points for free stay. Before you dive into the new World of Hyatt rewards program, check out these 6 things you should know.
Surprise Cruise Expenses to Watch Out For

Holly Johnson March 5, 2018 • 5 Minute Read
Read On

While cruise fares can be inexpensive on their own, there are plenty of “extras” and “gotchas” you should prepare for. While some of these added expenses can be avoided, others are just part of the deal. Learn more about the hidden expenses of a cruise.
The Best Rewards Cards for a Valentine’s Day Splurge

Holly Johnson February 18, 2018 • 4 Minute Read
Read On

If you are hoping to score a slightly more exciting or luxurious Valentine’s Day this year, however, certain rewards and travel credit cards can help. Not only do some dole out rewards you can use for an epic gift, but some rewards are a gift on their own.Here are some of our favorite cards for an epic Valentine’s Day.
8 Money Resolutions You Couldn’t Mess Up if You Tried

Holly Johnson February 15, 2018 • 6 Minute Read
Read On

New Year’s resolutions are a popular way to set new goals at the end of the year. No matter your past indiscretions or whether or not you improved your life last year, a new year means a new opportunity to get things right. If you’re looking for an easy way to stick to your money goals this year, try these strategies:
Take These 5 Steps Out of Holiday Debt

Holly Johnson January 30, 2018 • 4 Minute Read
Read On

The bad news is, debt is pervasive, relentless, and a lot like Mogwai. If you feed it, it just keeps growing and growing as interest compounds over and over again. The good news is, there are some ways to put a lid on your holiday debt – and all your other debts – for good.
Save On Airfare: 5 Tips to Never Pay for Checked Baggage Again

Holly Johnson January 18, 2018 • 5 Minute Read
Read On

In terms of saving on checked baggage, there are several strategies to avoid this cost – which can easily add up to $200 round-trip for a family of four - altogether. Before you head out on your next getaway, consider these strategies:
5 Best Rewards Cards for Your Massive Daycare Bill

Holly Johnson December 22, 2017 • 5 Minute Read
Read On

If you’re looking for ways to rack up rewards through regular spending, why not take a look at your daycare bill? You’re probably paying a lot for care, so it makes sense to look for ways to benefit. Provided you can pay your daycare bill with a credit card every month (and pay it off), this strategy could help you rack up a ton of rewards with little effort on your part.
4 Last-Minute Rewards Cards that Let You Double Dip This Year and Next

Holly Johnson December 19, 2017 • 6 Minute Read
Read On

The downside that comes with pursuing travel credit cards that fall into this category is that most, if not all, come with large annual fees. But, if you’re a steady traveler who can benefit from a large signup bonus and all the benefits, cards that let you “double dip” in this way can really pay off.
5 Money Lessons Your Teenager Can Learn with a Credit Card

Holly Johnson December 15, 2017 • 5 Minute Read
Read On

While there are many ways to learn life’s important lessons, one of the best ways to learn is by doing – or through old fashioned trial and error. You can tell your kids how to fish, but they’ll become better fisherman by baiting their own lines and strategizing ways to get fish to bite.
Capital One® Savor® Cash Rewards Credit Card Review

Holly Johnson December 12, 2017 • 6 Minute Read
Read On

The new Capital One® Savor® Cash Rewards Credit Card falls into the latter category, offering different levels of rewards for different purchases. Fortunately, the rewards are lucrative – especially in certain categories – and there’s no annual fee. The fact this card offers a signup bonus is just icing on the cake.
Best Business Credit Cards for Holiday Spending

Holly Johnson November 30, 2017 • 6 Minute Read
Read On

Before you spend hundreds – or even thousands – of dollars on holiday gifts for your employees or vendors, it can pay off to spend some time figuring out the best business credit card for your needs. Here are some options to consider along with their pros and cons for the holiday season and beyond.
This Rewards Card Gives You 5 Percent Back on All Your Holiday Shopping

Holly Johnson November 27, 2017 • 5 Minute Read
Read On

If you’re gearing up for the holiday shopping season and looking for new ways to save, it always helps to think outside the box. Of course you’ll scoop up bargains on Black Friday and Cyber Monday, but your deal-seeking doesn’t have to end there. With the right rewards credit card, you could get 5 percent cash back – or a 5 percent discount on most of your holiday gift-giving this year.
No, You Shouldn’t Get a Disney Credit Card (Here’s What to Do Instead)

Holly Johnson November 20, 2017 • 5 Minute Read
Read On

With the Disney Premier Visa credit card, they say, you can rack up meaningful rewards to use at Disney parks. What they don’t tell you, however, is that you’ll likely be better off with a different rewards card that does not feature playful Disney characters on the front.
Best Balance Transfer Credit Cards if You Have a Ton of Debt

Holly Johnson November 6, 2017 • 6 Minute Read
Read On

But, which balance transfer card should you get? If you have a small amount of debt that will only take a few months to pay off, nearly any 0 percent APR card could do the trick. If you’re drowning in debt and carrying more than average, on the other hand, a card with a long introductory offer and the best terms possible will leave you better off.
Use Travel Rewards to Stretch Your Honeymoon Budget to Paris and Beyond

Holly Johnson October 25, 2017 • 5 Minute Read
Read On

With the help of certain rewards credit cards, you may be able to travel further, stay longer, and enjoy a heightened level of opulence you couldn’t afford otherwise. Want to learn more? Here are five strategies to help you stretch your honeymoon fund further than you ever dreamed:
Why You Shouldn’t Care About Having an 850 Credit Score (and What to Do Instead)

Holly Johnson October 20, 2017 • 4 Minute Read
Read On

If you’ve been trying to improve your credit, you probably already know that your FICO score is a numeric measure of your credit health. Depending on how your credit looks, your score will fall somewhere between 300 and 850, with a higher score representing better credit over all.
5 Reasons My Kids Aren’t “Too Good” for Community College

Holly Johnson October 17, 2017 • 5 Minute Read
Read On

With college costs and student loan debt soaring, I want to help my kids make smart decisions regarding their future. Since our kids were babies, we’ve been socking money away in their 529 savings plans. By the time they reach college, I estimate they’ll both have $50,000 to pay for any school of their choosing.
Delta SkyMiles® Blue American Express Card: Earn Delta SkyMiles® without an Annual Fee

Holly Johnson October 9, 2017 • 6 Minute Read
Read On

Recently, Delta Air Lines and American Express partnered up to offer a brand new co-branded credit card – the Blue Delta SkyMiles® Credit Card from American Express. While the signup bonus on this card isn’t anything to write home about, it does offer one benefit many rewards consumers look for – no annual fee. Beyond its lack of an annual fee, this card also offers an interesting earning structure that could work well for consumers with certain spending habits.
Lessons from Hurricane Harvey: Do You Need Flood Insurance?

Holly Johnson October 4, 2017 • 4 Minute Read
Read On

As the water recedes in Houston and various waterfront communities across Texas, a startling financial reality continues to unfold. Where hurricane Harvey hit the hardest, 80 percent of homeowners and property owners lacked flood insurance coverage.
How to Become Debt Free Before the Next Financial Crisis Hits

Holly Johnson September 26, 2017 • 5 Minute Read
Read On

Worried about the next financial crisis? Maybe you should be. Because our economy runs in cycles with recurring booms and busts, it’s only a matter of time before our recent run of fortune fizzles out.
Earn 200,000 bonus miles worth up to $2,000: Capital One® Spark® Miles for Business Review

Holly Johnson September 22, 2017 • 6 Minute Read
Read On

Business owners who compare business credit cards face a common conundrum– they crave points they can redeem for travel, but may be put off by the egregious annual fees some business cards charge. Fortunately, at least one business credit card offers valuable rewards, a simple redemption process, and an annual fee nearly any business owner can stomach.
5 Ways Millennials Can Use Credit Cards to their Advantage

Holly Johnson September 19, 2017 • 4 Minute Read
Read On

Millennials may be the largest living generation on Earth, but that doesn't mean they don't face their share of financial hurdles. For example, millennials face higher levels of student loan debt than ever before, rampant unemployment or underemployment, an increasingly expensive housing market, and a world where owning costly gadgets and technology is the norm.
Rewards Credit Cards to Score Before the Holidays Hit

Holly Johnson September 13, 2017 • 6 Minute Read
Read On

With summer behind us and fall on its way, it’s just a matter of time until the festive season hits. Once Halloween comes and goes, an explosion of twinkling lights and non-stop sales will last for months. Holiday shopping season will kick in, culminating on Black Friday followed by weeks of last-minute rushing to find the perfect gifts. It will be here before we know it, which is why you should really start planning now.
Yes, You Can Book All-Inclusive Vacations with Credit Card Rewards

Holly Johnson September 7, 2017 • 5 Minute Read
Read On

According to a recent survey from Allianz Travel Insurance, the average American may be spending more money on vacation than ever before - approximately $1,798 on average as of 2016. That’s a lot of dough to spend on travel, yet 50 percent of respondents to the Allianz study said they were confident they could pull it off.
How to Execute a Balance Transfer – and Actually Save Money

Holly Johnson September 5, 2017 • 5 Minute Read
Read On

If you have high interest credit card debt, personal loan debt, or other mounting bills, a balance transfer credit card could be the answer to your prayers. Once you qualify for a balance transfer credit card, you can score 0 percent APR on transferred balances for anywhere from 12 – 21 months. Best of all, some balance transfer credit cards offer low fees or even no fees to consumers who qualify.
Can Credit Cards Help You Become More Charitable?

Holly Johnson August 25, 2017 • 5 Minute Read
Read On

When it comes to credit cards, there are too many options to count. From cash-back rewards cards that let you earn rewards to balance transfer cards that help you save money on interest, there’s a card type to suit everyone regardless of their credit needs. And yes, that includes credit cards that can help you become more charitable. Believe it or not, some card issuers and programs make it easy to donate cash-back or miles instead of keeping your rewards for yourself.
A No-Fee Membership Rewards® Card You’ll Love: Blue Business® Plus Credit Card from American Express

Holly Johnson August 18, 2017 • 6 Minute Read
Read On

While American Express is well known for their selection of premier travel credit cards, past and present Amex customers seem to have a lot of gripes. For starters, the card issuer’s top tier travel credit cards – the Platinum Card from American Express and the Business Platinum Card from American Express – come with outrageous annual fees of $550 and $595, respectively. Worse, both cards offer an earning tier of just 1 point per $1 spent outside of special bonus categories.
“Surprise” Credit Card Fees You Should Never, Ever Pay

Holly Johnson August 16, 2017 • 5 Minute Read
Read On

Credit cards offer a slew of benefits that make them valuable for just about anyone. With a credit card in-hand, you can score valuable consumer protections like purchase protection, zero fraud liability, and guaranteed returns. And, let’s not forget about the many rewards programs that help you rack up cash back, gift cards, or free travel.
5 Clever Reasons to Refinance Your Mortgage (and 3 Reasons Not to)

Holly Johnson August 11, 2017 • 6 Minute Read
Read On

With interest rates near record lows so long that rising rates seem imminent, it’s smart to at least consider refinancing your home mortgage. A lower interest rate could give you plenty of advantages, after all. While loan outcomes vary, lower interest rates can easily lead to lower monthly mortgage payments and interest savings. Under the right circumstances, you could even shorten the repayment timeline for your loan and pay off your home faster.
Myth Busted: No, Opening New Credit Cards Won’t Bomb Your Credit Score

Holly Johnson August 8, 2017 • 5 Minute Read
Read On

Credit card signup bonuses are often considered the holy grail of affordable travel. Sign up for a new rewards credit card or travel credit card, hit a minimum spending requirement, and earn a bonus big enough to pay for several hotel nights or a free round-trip flight. If you’re into cash-back instead, you can also parlay your rewards into several hundred dollars in statement credits instead.
6 Reasons Cheap Rural Living May Be a Better Deal Than You Realize

Holly Johnson August 4, 2017 • 5 Minute Read
Read On

Is big-city living all it’s cracked up to be? Or, would you be better off in a quieter, slower-paced rural environment? While this question has been debated for years, there is no “right” or “wrong” answer that suits everyone. The truth is, some people prefer the close-knit quarters of an urban existence while others crave more space.
Hate the Idea of Student Loans? Here are 8 Ways to Borrow Less for College

Holly Johnson July 26, 2017 • 6 Minute Read
Read On

While higher education is typically a good investment, the surging costs of a college degree have been blurring the line for years. Sure, college graduates tend to earn more, but they’re also facing growing debt loads, too. According to Student Loan Hero, the average 2016 college graduate left school with more than $37,000 in student loan debt.
9 European Cities You Can Actually Afford to Visit This Year

Holly Johnson July 13, 2017 • 5 Minute Read
Read On

A European getaway is on nearly everyone’s bucket list, but that doesn’t mean everyone’s budget is equipped to handle the expense. Flights alone can be cost-prohibitive. Truth be told, most round-trip flights to Europe from the U.S. start at $1,000 and only go up from there.
9 Cheap Beach Towns You Can Actually Afford to Visit This Year

Holly Johnson July 3, 2017 • 5 Minute Read
Read On

If you have kids, you’re probably well aware that beach vacations are the ultimate gateway to frugal fun. Beyond transportation and lodging, you’ll pay very little to keep the kids busy all day. Head out to the beach from your hotel or rental, bring along a cooler of drinks and snacks, and your kids will use nature’s bounty – surf, sand, and sea life - to entertain themselves.
Chase Freedom® Review: A First-Hand Account

Holly Johnson June 20, 2017 • 6 Minute Read
Read On

My original foray into credit card rewards stemmed from a targeted mailer for the Chase Freedom® card. I was in my late 20’s and money was tight. With Chase Freedom®, I learned I could score an initial signup bonus ($100 at the time) and earn 1-5 percent cash back for every dollar I spent. Needless to say, I was pumped to try it out.
Chase Sapphire Preferred® Card Review: Why It’s the One Travel Card I Can’t Live Without

Holly Johnson June 6, 2017 • 9 Minute Read
Read On

While I write about nearly every rewards card under the sun each year, there’s one card I recommend more than any other. The Chase Sapphire Preferred® card continually stands out due to its lucrative rewards program, fair fee structure, and versatility.
Best Credit Cards for a Large Purchase

Holly Johnson May 26, 2017 • 6 Minute Read
Read On

If you have a large purchase coming up and don’t have the cash, you have myriad options at your disposal. You could spend months saving small sums to reach your goal, or you could take out a personal loan. If neither of those options seem appealing, you could sign up for a new credit card instead.
Should You Pay Your Card’s Annual Fee? Here’s How to Decide

Holly Johnson May 9, 2017 • 4 Minute Read
Read On

The best travel and rewards credit cards really can offer the unthinkable – something for nothing. By using your card for all your purchases, you can earn points redeemable for cash back, travel rewards, gift cards, or merchandise. The catch, however, is that you must avoid carrying a balance if you want to avoid credit card interest.
Chase Freedom® 5% Quarterly Categories for Q1 2019

Holly Johnson January 19, 2016 • 4 Minute Read
Read On

The Chase Freedom® has long been considered one of the most popular cash-back credit cards on the market — and for good reason. This cash-back credit card lets you earn 5% back on up to $1,500 in spending in categories that rotate each quarter (then 1%), plus 1% back on all your other purchases.

Advice & Expertise Blog

Holly Johnson

Categories

Recommended Cards

Advertiser Disclosure

Editor’s Rating

Card Type

Credit Quality

Card Issuers

Loan Type

Insurance

Other

Tool Type