Advice & Expertise Blog

Credit Cards

  1. March 8, 2018

    Credit Cards use a number of benefits to entice users to use their credit cards. However, many credit cards offer little-known benefits and unusual enticements that most people aren't aware of and never use. Check out these 8 unusual credit card benefits you should be taking advantage of right now.

  2. February 2, 2018

    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.

  3. December 22, 2017

    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. December 20, 2017

    In the last ten years, the introduction of ride-sharing has led to a complete revolution in both personal and business travel. This industry has been led by Uber, which now has more revenue than the entire U.S. rental car industry combined. The new Uber Visa card from Barclaycard offers some of the most valuable rewards available from any card.

  5. December 18, 2017

    Every year, the holiday season comes and goes. It starts with the flurry of retail sales that surround gift buying as well as the increased personal consumption triggered by the best deals of the year. But for many Americans, the holiday season ends with new debts and rising interest charges.

  6. December 15, 2017

    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.

  7. December 12, 2017

    The new Capital One Savor 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.

  8. December 1, 2017

    If you belong to the majority who use credit cards to finance the holidays, high interest rates and low minimum payments can make it hard to get rid of your debt. Interest rates can cause your balance to balloon quickly and, if you only pay the minimum, it can take years to pay off your credit card debt in full.

  9. November 30, 2017

    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 2017 holiday season and beyond:

  10. November 15, 2017

    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.

  11. November 9, 2017

    As usual, a lot of spending will take place on Black Friday, the notorious shopping holiday that takes place the day after Thanksgiving. As NRF figures show, more than 154 million individuals shopped in stores or online on Black Friday in 2016, spending about $290 each, on average.

  12. November 8, 2017

    Getting a business credit card can not only help you keep your business and personal expenses separate, but some also offer rewards and other features that are specifically tailored to your business. They can help you save money on expenses so you can take home more profit.

  13. November 7, 2017

    You don’t have to give up your ability to earn rewards in order to use a promotional financing offer. There are many cards that have both a competitive rewards program and strong promotional financing on balance transfers. Check out these 6 best balance transfer cards that also offer rewards.

  14. November 6, 2017

    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.

  15. October 30, 2017

    Would you ever consider paying a $450 annual fee for a credit card? Perhaps you should, as premium credit cards can offer exceptional value, even when compared to their soaring annual fees. In fact, the market for premium credit cards is extremely hot.

  16. October 13, 2017

    Nearly everyone would like to use their credit cards to earn a free flight, but unfortunately most airline credit cards charge an annual fee of $95 or more. Thankfully, there’s a small, but growing number of airline credit cards that have no annual fee.

  17. October 9, 2017

    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.

  18. September 28, 2017

    Have you had trouble recently trying to redeem your airline miles or hotel points? As airlines and hotels increase the cost of awards, and reduce the availability of the best ones, many travelers and credit card users are fed up with the direction these programs are taking. Let’s take a look at these two cards, and see which one is right for you:

  19. September 21, 2017

    Most consumers understand the benefits of having a credit card, but it can feel overwhelming to choose from a seemingly endless list of options. Credit card companies and financial institutions offer dozens upon dozens of deals depending on your financial history and goals, and every card brings with it different terms, interest rates, and perks.

  20. September 19, 2017

    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.

  21. September 13, 2017

    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.

  22. September 12, 2017

    Have you ever read the terms and conditions of a frequent flyer program? These documents were clearly written by teams of lawyers, and sometimes you almost have to be a lawyer to figure out how to redeem your miles. If you’re fed up with trying to decipher these complicated “reward” programs, then perhaps it’s time you reconsider how you earn your rewards and which credit card you use.

  23. September 7, 2017

    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.

  24. August 30, 2017

    For several years, the Chase Sapphire Preferred was one of the best travel reward credit cards. It offers double Ultimate Rewards points on all travel and dining purchases, and your rewards could be transferred to miles with seven airlines or points with four hotel programs. You can also redeem points for 1.25 cents each towards travel reservations made through Chase.

  25. August 25, 2017

    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.

  26. August 21, 2017

    If any word can send a parent with teenagers into a bout of anxiety, it's likely to be "college." For every newly-minted freshman who enters college, the proud parents are looking at a yearly bill for tuition and fees of nearly $10,000 -- and that's for an in-state public university.

  27. August 18, 2017

    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 $450, respectively. Worse, both cards offer an earning tier of just 1 point per $1 spent outside of special bonus categories.

  28. August 16, 2017

    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.

  29. August 14, 2017

    It’s inevitable. Every fall Americans begin to panic as they realize that they will have to pay a premium to travel over the winter holidays. And it’s even worse for many who want to travel with the points and miles that they’ve earned from their credit cards.But it doesn’t have to be this way. This summer is the perfect time to start earning rewards for your winter travel.

  30. July 28, 2017

    Vacations and summer. They go together like sunscreen and coconut scent, hot dogs and mustard, and tropical drinks and decorative umbrellas. Is it any wonder that people begin to plan trips to warmer climates during the dead of winter? They spend weeks — and even months — obsessing about location, quibbling over price, and delving into web research. A massive amount of planning goes into an annual summer vacation, but people sometimes neglect a key concern: How to make funding your trip simpl

  31. July 11, 2017

    While over a third of Americans have a four-year degree, less than 15% of those over 25 ever receive their master’s or doctoral degree. Just by being a graduate student, you’ve already placed yourself in an elite group. But being a graduate student might not actually feel so elite. Grad students are known for working hard and studying incredibly long hours, while scraping by on a shoestring budget.

  32. June 29, 2017

    You’re finally finished with high school and college bound this fall. Getting a credit card before you hit the books come September may be on your to-do list for the next months, but be aware that it’s not as simple as signing on the dotted line and getting a card in the mail.

  33. June 27, 2017

    By the time most people are old enough to open a credit card, they’ve undoubtedly heard countless cautionary tales of friends and family members who dug themselves into debt, faced hefty interest rates after not reading the fine print, or destroyed their credit scores with a few poor decisions.

  34. June 23, 2017

    When it comes to credit cards, it’s easy to lose track of your budget and run up a balance. In fact, the average credit card debt per cardholder in the United States is $4,061. If you have a high-interest credit card, your balance can grow over time, increasing your minimum payment and making it difficult stay on track.

  35. June 22, 2017

    Earning cash back or airline rewards are two major credit card perks, but they are not the only ones that credit cards offer. That little piece of plastic in your wallet can do a lot more for you, if you don’t shortchange yourself. Read on for a list of lesser-known credit card perks.

  36. June 20, 2017

    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 the Chase Freedom® card, 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.

  37. June 15, 2017

    It can be incredibly hard to get out of credit card debt. As unsecured debt, credit card interest rates are generally much higher than those for a home or a car. Unlike a home mortgage or a student loan, the interest charges for credit card debt are never tax deductible. Finally, many people rely on their card’s line of credit to pay for everyday expenses, further increasing the debt that they are trying to pay off.

  38. June 14, 2017

    It may be complicated, but understanding how credit card interest and annual percentage rates work is really in your best interest. It’s hard to win at the credit card game and make the best possible financial choices for you without a solid comprehension of what terms like interest rate, compound interest and APR mean. Luckily, you don’t need a degree in finance to understand the acronyms on your billing statement.

  39. June 13, 2017

    There’s no such thing as a free lunch, right? Many credit card companies try to entice customers with rewards such as cash back, free hotel stays, or travel perks — but almost everything comes at a cost.

  40. June 12, 2017

    There’s no doubt that the Chase Freedom is one of the most popular reward credit cards of the last decade. With no annual fee, it’s been Chase’s entry level rewards card that you will find in a huge percentage of American Wallets. Most people just seem to like its formula of offering 5x rewards on up to $1,500 spent each quarter at featured merchants, and 1x elsewhere.

  41. June 9, 2017

    If you’re a fresh graduate right out of college, life can feel overwhelming right now. You just finished four years (or more) of school and now have to face problems like finding a job, moving into your own apartment and paying down student loans. Getting a credit card is probably not a priority right now, but not having a credit card can make life more difficult.

  42. June 7, 2017

    Credit cards are like a stick of dynamite: They’re incredibly effective at their intended purpose, but they can blow up in your face when used inappropriately. When you're in the market for a new credit card, the possibilities seem infinite. Countless banks and credit card companies offer dozens of different deals, and every card delivers distinct terms, rates, and fine print.

  43. May 26, 2017

    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.

  44. May 25, 2017

    Credit card offers are everywhere. Boot up your computer, type "credit card" into your favorite search engine, and you'll be inundated with hundreds (if not thousands) of options. Some cards are objectively better than others, but how do you spot the truly terrible ones?

  45. May 24, 2017

    The only thing better than a vacation is a free vacation. Sound too good to be true? Well, for many savvy credit card users, free, nearly free, or on-the-cheap vacations are a way of life. Using travel credit cards can help you earn that summer vacation of your dreams without putting a luxury-vacation-sized dent in your wallet.

  46. May 19, 2017

    Since the dawn of credit cards, man has struggled with one nagging question: Cash or credit? Some people claim you should ditch cards altogether to avoid debt, while others argue it’s smarter to responsibly use credit to rack up rewards. Regardless of your spending habits, most financial experts would say it’s a good idea to have at least one card to build your credit history.

  47. May 18, 2017

    Finding a credit card that's a good fit for your lifestyle is hard enough, but getting approval can seem like an impossible challenge. Rejection is never fun, and it's particularly painful to be rejected because of something as personal as your financial history.

  48. May 16, 2017

    Most Americans have credit card debt, and the average household has a balance of $5,700. With the mean interest rate on credit card debt rising to 13.6% percent, your balance can quickly balloon out of control. You can end up paying hundreds or even thousands in interest fees, making it difficult to ever get out of debt.

  49. May 12, 2017

    All your bags are packed and you’re ready to go. However, before you head on that vacation, make sure you’ve packed more than one way to pay for all that fun you’re going to have. True, cash is king, but on vacation using a credit card is easier and offers more protection than toting around a wad of cash.

  50. May 11, 2017

    If you watch television, then you’ve probably seen ads for Capital One’s Venture Rewards card. Its commercials feature famous actors like Jennifer Garner, Samuel L. Jackson, and Alec Baldwin. Behind all the star power, the Venture Rewards is a solid product that can offer you valuable travel rewards, but only if you know how to use it right.

  51. May 9, 2017

    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.

  52. May 8, 2017

    Credit cards can seem like the solution to all of life's financial problems. Can't afford to pay the electric bill this month? Charge it to your credit card and worry about it later! Want to go on a $5,000 trip to Italy, but don't have the cash? That's what credit cards are for, right?

  53. April 28, 2017

    Swiping a credit card with reckless abandonment may feel fun and carefree — until you get your bill in the mail. The elation you feel with every purchase can quickly turn to despair if you’ve inadvertently stacked up debt you aren’t able to immediately repay. Make your credit cards work for you, not against you, by following these 10 best practices for using credit cards responsibly.

  54. April 24, 2017

    Are you looking to earn the most possible rewards from your credit card? If so, then you have to choose between two different types of reward credit cards. One type are those that offer a fixed rate of return on all purchases. Then, there are others that feature bonuses for purchases from specific categories of merchants. When you choose a card that offers bonus rewards, the key is to earn rewards on the type of purchases you make the most. Capital One recently introduced its Premier Dining Rew

  55. April 20, 2017

    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.

  56. April 13, 2017

    By the time most people reach adulthood, they undoubtedly have some level of familiarity with credit cards. Whether it’s a horror story of someone racking up thousands of dollars of credit card debt or the handful of card offers you receive in the mail on a weekly basis, they’re an integral part of the world’s financial fabric.

  57. January 27, 2017

    Balance Transfer Credit Cards are not for everyone but they can be a money saver when used in the right situation. These credit cards are best used to transfer your current credit card balance with a higher interest rate to and then pay it off within a few months or within the intro period.

  58. November 10, 2016

    The USAA family of companies provides insurance, banking, investments, retirement products and advice to 11.7 million current and former members of the U.S. military and their families. Known for its legendary commitment to its members, USAA is consistently recognized for outstanding service, employee well-being and financial strength.

  59. November 2, 2016

    Looking to purchase or lease a new vehicle at some point within the next 3 years? Then the BuyPower Card® from Capital One® might be for you. This rewards card offers great benefits as well as the opportunity to redeem your earnings towards the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac.

  60. January 20, 2011

    When looking for a small business card there are several options available. American Express has their SimplyCash Business Card with benefits on purchases. If you are using rewards credit cards for your business credit card, check out the savings from FedEx, Hertz and more when you use the Open Savings from Amex.

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