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Credit Cards

Build your Credit with Self.

Erin Benson March 27, 2023
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Managing finances shouldn’t be difficult, the secured Self Visa® Credit Card** can help you build credit responsibly while also preparing for the future! Here is a closer look into the Self- Credit Builder Account* + Self Visa® Credit Card**.
DoorDash Rewards Mastercard®

Erin Benson March 24, 2023
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If you are an avid DoorDash user, you’re going to want to take a look at this new credit card with some awesome food delivery rewards.
Take the Extra Step to Build Up Your Credit!

Erin Benson February 8, 2023
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A typical debit card does not build your credit, does not offer rewards points and has limited bank options and customer service support. But, the Extra Card does! Find out why you should take the Extra step to building up your credit.
Secured Credit Card Season

Erin Benson February 2, 2023
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Secured cards can be a good option if you have less-than-perfect credit and are looking to build your credit. They can also pave the way for you to access other credit/financial products like mortgages and loans. There are several secured card options out there, find the one that best fits your needs.
GM Offers Rewards Credit Card and Business Card

Erin Benson February 1, 2023
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General Motors (GM) is an American multinational automotive manufacturing company and currently the largest automaker in the US. GM is most widely known for its four automobile brands: Chevrolet, Buick, GMC, and Cadillac. But did you know they also have their own co-branded credit cards? GM now offers its loyal users the option of a rewards credit card and a business card.
Everything You Should Know About Your First Credit Card

Amanda Peterson January 31, 2023
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Applying for your first credit card can be very exciting but it is also a very important first step is creating a solid financial future. Here’s everything you need to know about applying for your first credit card.
The Best Balance Transfer Cards for 2023

Amanda Peterson January 27, 2023
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The average American has $5,525 in credit card debt and with rapidly increasing interest rates, your balance can quickly sneak up on you. Here are 4 of the best Balance Transfer Cards for 2023!
Why You Need a Credit Card After Declaring Bankruptcy

Kat Tretina January 19, 2023
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When you declare bankruptcy, your credit score and report can be ruined, and it will remain on your credit report for seven to 10 years. However, that doesn’t mean you’re stuck with bad credit for a decade. You can start rebuilding your credit right away. Check out these tips to get you back on track.
4 Ways to Pay Down Debt

Amanda Peterson January 11, 2023
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I'm sure you're probably overwhelmed by now and wondering "where do I even start?" to get rid of that credit card debt. Fortunately, CreditSoup has 4 ways to begin paying down that debt.
Spice up your Credit Card Rewards with Cryptocurrency

Erin Benson January 5, 2023
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Get ready for a whole new type of rewards in Cryptocurrency. Crypto is a digital currency that can be used to buy good or services. The Gemini Credit Card offers rewards in currencies like bitcoin, Ethereum, or 60+ other currencies!
Best Credit Cards for 2023

Amanda Peterson December 22, 2022
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With all the credit card options out out there nowadays, how do you know which one is best for your needs? Luckily for you, we’ve researched and hand selected the best credit cards for your credit and lifestyle needs this year.
Bank Your Way To Credit™ with Aspire

Erin Benson December 12, 2022
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Aspire® known for its Credit Card and Cash Back Reward Card is now offering a Banking product that helps you Bank Your Way to Credit™.
Arro Card Aims to Level the Financial Playing Field for All

Erin Benson November 22, 2022
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The new card from Arro aims to level the financial playing field for all. Arro’s mission is simple - democratize credit and level the playing field by providing financial opportunity and accessibility for all. Arro is designed to empower financial wellness.
Amazon Prime Rewards Visa Signature Card Review

Holly Johnson November 2, 2022
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The Amazon Prime Rewards Visa Signature Card can take your savings efforts even further since it gives you cash back on everything you buy — and especially on Amazon.com purchases. Should you sign up? Keep reading to learn how this card works and the pros and cons of using it for all your purchases.
Using A Credit Card To Improve Your Credit Score

CreditSoup Staff October 14, 2022
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Credit cards can be a create way to establish a credit if you don’t have any or to improve your existing credit score over time. Learn more about how credit cards can positively affect your credit.
5 Reasons to Let Your Teen Have Their Own Credit Card This School Year

Holly Johnson September 30, 2022
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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
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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.
3 Credit Card Perks to Help You Save on College Shopping

Ashley Dull August 29, 2022
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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 over $10,000 -- and that's for an in-state public university.
5 Ways to Sidestep Common Credit Card Blunders

Kirsten Thuringer August 8, 2022
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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?
5 Ways to Use Rewards for a Last-Minute Fall Getaway

CreditSoup Staff August 4, 2022
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Fall is often an excellent time to plan a last-minute getaway. Not only is it off-peak travel season for many destinations around the world, but the weather can be wonderful, too. The Southern United States still features excellent temperatures, and the water along Florida’s beaches is still warm from the summer heat.
7 Tips for Staying Debt-Free

Kat Tretina August 4, 2022
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Being debt-free gives you more financial freedom, allowing you to pursue other goals without the weight of interest charges and monthly payments on your shoulders. To keep yourself from ending up in debt again, use these tips and regularly review your finances.
How Many Credit Cards Should You Carry?

Kat Tretina July 20, 2022
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If used strategically, credit cards can be an amazing tool. They can give you more flexibility in your spending, allow you to earn valuable rewards, and you can take advantage of benefits like free car rental insurance and purchase protection.
5 Hacks to Earn Rewards Without Impulse Shopping

Holly Johnson May 27, 2022
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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.
New to Credit Oportun-ity!

Erin Benson March 8, 2022
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If you are new to credit, or working to build up your credit this should be at the top of your list of cards to check out. Oportun® Visa® Credit Card, issued by WebBank, Member FDIC, provides customers with little to no credit history with an opportunity to access credit that traditional banks don’t offer. They are able to extend credit where others cannot through artificial intelligence that is able to see customers as much more than simply a credit score.
Credit Card Payment Processing 101

Kat Tretina December 11, 2021
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Have you ever thought about how credit card payment processing works? It’s actually a very complex process involving many different players. Here’s everything you need to know about credit card payment processing.
How to Get Your First Credit Card

Holly Johnson October 29, 2021
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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.
4 Hidden Costs Behind Rewards Cards

CreditSoup Staff October 15, 2021
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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.
Credit One Bank’s® Colossal Cash Back Rewards Card

Erin Benson September 3, 2021
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Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Late this spring, Credit One Bank® came out with the Credit One Bank® Platinum Rewards Visa card that offers a whopping 5% cash back!
Capital One Makes it Easier than Ever to Start Building Your Credit

Erin Benson August 24, 2021
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Capital One just launched two brand new student credit cards just in time for kids that are heading off to school. For those of you that are looking to get a credit card for the very first time, there are several factors that you should look at and decide what is most important to you and fits your financial needs the best.
Credit Cards for Gen Z

Kat Tretina August 9, 2021
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As you begin your professional career and start living independently, a good credit card can help you finance your expenses, budget, and earn rewards. But with limited credit histories, finding the right card can be difficult.
Crypto Credit Cards

Erin Benson June 11, 2021
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As of 2021, there is an estimated 2.8% global cryptocurrency ownership rate with 200 million crypto users worldwide. Cryptocurrency has been gaining popularity since the late 2010’s and does not seem to be slowing down anytime soon.
Gap Visa Credit Card Review

Kat Tretina June 4, 2021
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Gap is one of the most recognized brands in the country. It’s where shoppers go to stock up on quality basics and casual wear for all ages. If you’re a frequent shopper, one way to save is to sign up for a Gap-branded credit card. Here’s what you need to know before you apply.
Target REDCard™ Review: Is It Worth It?

Kat Tretina May 21, 2021
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Offering 5% off your purchases every day, the REDCard™ could be a tempting option. But is it worth it? Find out how the card works, what benefits it offers, and whether or not it offers valuable rewards.
How to Decide Which Type of Credit Card is Best

Kat Tretina May 14, 2021
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If you’re new to credit cards, picking out the right one can be an overwhelming decision. There are literally hundreds of credit cards out there, all with their own terms, fees, and rewards. Before applying for a credit card, follow these five steps to ensure you make a sound decision.
6 Ways Credit Cards Can Improve Your Financial Life

CreditSoup Staff March 25, 2021
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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.
Can Credit Cards Help You Accomplish Your New Year's Money Goals?

Holly Johnson January 3, 2021
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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.
6 Best Medical Credit Cards for 2020

Kat Tretina June 19, 2020
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If you know you’re going to need a medical procedure, check out medical-specific credit cards. These cards are designed to be only used to pay for medical expenses, so they’re limited in use. However, they tend to offer lower interest rates and more generous repayment terms than other credit cards.
6 Painless Ways to Meet Credit Card Bonus Spending Requirements

Kat Tretina June 11, 2020
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While it may feel like you have to go on a mega shopping spree to qualify for the bonus, there’s no need to go into debt to meet the minimum spending requirement. In fact, there are six easy ways to meet the requirement without going broke.
What is Chase’s “Pay Yourself Back” Program?

Chelsea Denning June 5, 2020
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The Chase Ultimate Rewards® Program has been long known for allowing people to redeem points for free flights and hotels. With travel not on people’s minds as much given the current Pandemic situation, Chase® came out with a great new alternative for those points you can be racking up on your Chase® card. It’s called the Pay Yourself Back Program.
Easiest Credit Cards to Get for a 600 Credit Score

Chelsea Denning April 16, 2020
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If you have a credit score around 600, you may be wondering which credit cards you would qualify for. Most credit card issuers would consider this poor to fair credit. If you have felt frustrated from not getting approved for a card in the past these are the cards you should apply for if you have a 600 credit score.
Is the Credit One Bank® Platinum X5 Visa® the Right Card for You?

Kat Tretina February 10, 2020
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If you’re making purchases with a credit card and aren’t using a rewards card, you’re losing out on free money. You could be earning valuable cash back, miles, or points on every purchase you make, even if you have less-than-perfect credit. One option available is the Credit One Bank® Platinum X5 Visa® Credit Card. But how can you decide if it’s the right card for you out of the hundreds out there? Here are seven factors to consider.
Alaska Airlines Visa® Business Credit Card Review

Holly Johnson November 20, 2019
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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.”
Which Credit Cards Should You Use on Amazon.com?

Holly Johnson September 26, 2019
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Shopping on Amazon.com is even better if you make all your purchases with the right credit card. This is mostly because of the rewards you earn on all your purchases, but also because you can qualify for some consumer protections and perks.
Kohl’s Credit Card Review: Get Exclusive Access to 12 Sales a Year

Kat Tretina September 13, 2019
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The Kohl’s Charge Card is a retail card, which means it can only be used at Kohl’s stores and online at Kohls.com. That’s pretty typical of a store-branded card, but one thing to keep in mind is that the Kohl’s card has a very high APR. Carrying a balance will cost you in interest fees.
9 Ways Credit Card Rewards Have Reshaped Our World

Holly Johnson August 24, 2019
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According to a 2019 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.
7 Credit Card Perks that Justify the Annual Fee

Kat Tretina August 20, 2019
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When you’re shopping for a new credit card, you probably look at things like APR, rewards, and fees. But if you’ve been turning down cards because they charge an annual fee, you may want to think again.
Walmart Credit Card Review: Is It Right for You?

Holly Johnson August 6, 2019
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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.
What Credit Score You Need to Qualify for the Most Popular Credit Cards

Kat Tretina July 24, 2019
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To qualify for a strong rewards credit card, you’ll likely need a high credit score. More basic cards have lower requirements, so it’s easier to get approved for a card.
Could Capping Credit Card Interest Rates at 15% Affect Rewards?

Kat Tretina July 17, 2019
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Senator Bernie Sanders and Democratic representative Alexandria Ocasio-Cortez introduced new legislation that would cap credit card interest rates at just 15%. But what would that change mean for credit card rewards?
5 Best Credit Cards of 2019

Kat Tretina July 17, 2019
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If you’re looking for a new credit card to your wallet for 2019, you’re making a smart move. Finding the right credit card can help you earn valuable cash back and rewards, as well as connect you with useful travel and shopping benefits.
Southwest Airlines Has 3 Credit Cards: Which One Should You Get?

Holly Johnson June 28, 2019
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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
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Before you begin planning for your first overseas trip, however, 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.
U.S. Household Credit Card Debt Continues to Grow

Kat Tretina June 19, 2019
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Credit cards can be excellent tools — they’re convenient, and you can earn valuable rewards like cash back or airline miles. However, credit cards can cause problems, too. If used incorrectly, credit cards can lead you into debt.
Lowe’s Advantage Card Review

Holly Johnson June 17, 2019
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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.
5 Ways Credit Cards Can Impact Your FICO scores

Kat Tretina June 10, 2019
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Credit cards play a big role in establishing your credit score. If used wisely, credit cards can positively impact your credit. But, at the same time, credit card mistakes can be costly in the form of a damaged credit report.
Best Buy Visa® Card Review

Holly Johnson June 7, 2019
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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
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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
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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.
United Explorer Card Review: Maximizing Your Benefits

Kat Tretina May 29, 2019
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If you regularly fly on United flights, you’ve likely heard about the United Explorer card and may be considering adding it to your wallet. But is it worth it?
Rewards Credit Cards Overview: 5 Types of Cards and How They Work

Holly Johnson May 25, 2019
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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.
Swiping With Care: 10 Ways To Use Credit Cards Responsibly

Natalie Hollingshead May 24, 2019
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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.
The Best Ways to Avoid Foreign Transaction Fees

Holly Johnson May 23, 2019
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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.
Marriott Bonvoy Boundless Visa Review: Luxe Travel Perks

Kat Tretina May 22, 2019
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The Marriott Bonvoy Boundless card isn’t exactly new. Previously, it was known as the Marriott Rewards card. Now, under the Marriott Bonvoy brand, the Marriott Rewards, Ritz-Carlton Rewards, and SPG programs are brought together under one unified card.
Apple Card: Is It Worth the Hype?

Kat Tretina May 15, 2019
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The Apple Card will be linked to the Apple Wallet app on iPhones, streamlining your experience with Apple Pay. You can sign up for the Apple Card and start using it right away in stores, online, or through the app.
TJ Maxx Credit Card Review

Holly Johnson May 13, 2019
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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.
The Top 10 Benefits Of Owning A Capital One Venture Rewards Credit Card

Jason Steele May 2, 2019
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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.
6 Most Simple Travel Rewards Credit Cards

Jason Steele April 29, 2019
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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.
3 Amazing Features Of The Freedom Unlimited® That Everyone Misses

Jason Steele April 26, 2019
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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.
5 Reasons to Skip Travel Rewards and Pursue Cash-Back Instead

Holly Johnson April 24, 2019
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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
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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.
What Are Foreign Transaction Fees

Kat Tretina April 19, 2019
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Credit card offers charge certain fees. One of the most common are foreign transaction fees. These fees are charged whenever you make a purchase with a non-U.S. retailer. The fees are generally set as a percentage of your total purchase; they’re typically about 3%.
Is the Bank of America® Business Advantage Travel Rewards World Mastercard® right for you?

Kat Tretina April 14, 2019
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As a business owner, having access to a reliable source of credit is essential for your business’ well-being and operations. A good credit card can be invaluable, helping you purchase the inventory and supplies you need, when you need them.
Review: Is the Capital One QuicksilverOne Cash Rewards Credit Card Right for You?

Kat Tretina April 5, 2019
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You can step up your shopping game by applying for a strong credit card, like the Capital One QuicksilverOne Cash Rewards Credit Card. Offering valuable benefits and perks, it’s an excellent addition to your wallet.
GM BuyPower Business Card from Capital One® Review: Earn Up to 5% Back Toward New GM Vehicles

Holly Johnson March 29, 2019
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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.
Review: Discover it® Student chrome

Kat Tretina March 26, 2019
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As a student, it’s especially important to start building good credit habits now. The earlier you get started, the better off you’ll be once you graduate. However, getting started can be difficult; student credit cards can be hard to find.
Journey Student Credit Card from Capital One Review (Offer No Longer Available)

Holly Johnson March 25, 2019
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If you’re a student who is eager to build a positive credit history that will benefit you later in life, the Journey Student Credit Card from Capital One should be at the top of your list. This card comes with no annual fee and may be easier to qualify for if you have a limited credit history.
Which network has the best merchant acceptance – Visa®, Mastercard®, Discover® or American Express®?

Kat Tretina March 18, 2019
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If your goal is to maximize your money, using a credit card instead of cash at the register is a smart move. Whether you have a Visa®, Mastercard®, Discover®, or American Express card®, you can earn valuable rewards and even cash back, putting money back in your wallet.
Chase Freedom® vs. Chase Freedom Unlimited® – Which is Best?

Kat Tretina March 15, 2019
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If you’re looking for a solid rewards credit card, Chase offers some of the best options on the market today. But with so many strong cards available, it can be difficult to decide on which is best for you.
Old Navy Credit Card Review: Are the Rewards Worth It?

Kat Tretina March 15, 2019
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Old Navy and its sister brands (Athleta, Banana Republic, and the Gap) are wildly popular, and it’s no surprise why. Where else can you get a whole wardrobe for less than $200? Offering clothes for the whole family, Old Navy makes sense for both budget and fashion-conscious shoppers.
Review: All About the Citi Prestige® Card

Kat Tretina March 13, 2019
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If you’re a frequent traveler, the right credit card can help you save money and even improve your traveling experience. But how to pick the right card? If you’re looking for a new addition to your wallet and have good to excellent credit, check out the Citi Prestige® Card.
You May Never Have to Sign a Credit Card Slip Again

Holly Johnson March 8, 2019
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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
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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.
Is the Discover it® Student Cash Back Card Right for You?

Kat Tretina March 5, 2019
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As a college student, you have a unique opportunity to build credit while you’re still young, which will help you immensely after you graduate. If you’re looking for a student credit card, check out the Discover it Student Card.
Barclaycard Ring® Mastercard® Review 2019

Holly Johnson February 27, 2019
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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 of 2019

Holly Johnson February 22, 2019
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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.
2019 Guide to Southwest Rapid Rewards®

Holly Johnson February 13, 2019
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Southwest is known for its low fares, constant sales, and cheerful flight attendants, but the airlines frequent flyer program — known as Southwest Rapid Rewards — is where it really shines. This dynamic program, which is insanely easy to use and understand, offers fare-based redemptions, an overly flexible cancellation policy, and points you can redeem in more than one way.
2019 Chase Ultimate Rewards® Guide

Holly Johnson February 8, 2019
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The easiest way to earn Chase Ultimate Rewards points is with one of their premier travel credit cards. Also note that you can earn Chase points with their regular cash-back credit cards, although you won’t be able to use them for premium travel redemption's.
Best Travel Credit Cards of 2019

Holly Johnson February 5, 2019
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If you’re considering a new travel credit card for the new year, it’s smart to pay attention to new offers as well as tried and true favorites. Fortunately, there are an array of lucrative travel credit card offers available all year long — some with signup bonuses worth $500 or more.
Discover it® Balance Transfer Review

Holly Johnson January 31, 2019
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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.
Bank of America® Business Advantage Cash Rewards Mastercard® credit card Review

Holly Johnson January 30, 2019
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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.
Capital One Platinum Credit Card Review

Holly Johnson January 30, 2019
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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.
HSBC Cash Rewards Mastercard®

Kat Tretina January 29, 2019
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The HSBC Cash Rewards Mastercard® credit card allows you to rack up rewards quickly. You’ll earn 1.5% cash back on every purchase you make, and there’s no limit to what you can earn.
Discover it® Miles Review: Earn 3x Miles for Travel in 2019

Holly Johnson January 28, 2019
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While many travel rewards cards offer complicated redemption schemes and earning categories that are hard to keep track of, the Discover it® Miles takes a totally different approach. Let's go over the biggest benefits of the Discover it® Miles, who it’s best for, and a few potential downsides to consider.
Earn 10% Back on Holiday Shopping with A Single Cash-Back Card

Holly Johnson November 20, 2018
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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.
Discover it® Cash Back Review

Holly Johnson November 18, 2018
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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.
Best Rewards Cards for Holiday Shopping

Holly Johnson November 18, 2018
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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.
Capital One Quicksilver Cash Rewards Credit Card Review

Holly Johnson November 7, 2018
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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.
Should You Use Your Credit Cards to Pay Your Utilities?

Brittney Mayer November 2, 2018
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Humans are creatures of habit; we like routines and rituals that keep our lives in order. But while routine can be comforting, there are certainly some regular activities that most of us would happily forgo — like sitting down to pay the bills every month.
Review: Is The Chase Freedom Unlimited® Card Right for You?

Kat Tretina October 26, 2018
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If you’re looking for a valuable rewards credit card you can use to earn cash back, the Chase Freedom Unlimited® card might be for you. Boasting a high cash back rate and a nice signup bonus, you can start building valuable rewards quickly.
How to Pick the Best Travel Credit Card in 5 Easy Steps

Kat Tretina October 24, 2018
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Whether you traveling for pleasure or business, a good travel credit card can make your life much easier. You can earn cash back rewards, receive bonus offers, get access to airport lounges, and even get rental car coverage.
Why You Should Cover Childcare and Other Bills with a Credit Card

Holly Johnson October 16, 2018
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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
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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.
Should You Get the Capital One® Spark® Cash for Business?

Holly Johnson September 28, 2018
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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.
Most Popular Store Credit Cards of 2018

Kat Tretina September 21, 2018
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If you have a limited credit history or a less-than-stellar credit score, getting a traditional credit card can be difficult. Building your credit can take time. If you’re ready to step up from secured credit cards, a store credit card can be a smart option if used responsibly.
5 Little-Known Secrets of the Amex Black Card

Kat Tretina September 11, 2018
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The American Express Centurion Card — commonly referred to as the Black Card — is one of the most exclusive cards out there. Celebrities and musicians commonly talk about having one or wanting to have one; it’s a sign you’ve made it in the social circles of the rich and famous. But, is it really worth the hype?
Best Credit Cards for Bad Credit

Kat Tretina August 31, 2018
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When you have trouble paying the bills each month, it’s easy to fall behind. But missing just a few payments can cause your credit score to go down, a massive problem millions of people face each year.
Easy Approval Credit Cards

Kat Tretina August 29, 2018
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There’s no such thing as a good instant-approval credit card. Most of the credit cards that claim they accept anyone and everyone with no thought to your credit and financial situation don’t mention that they charge sky-high interest rates and fees for the privilege.
Which Credit Cards are Best for Building Credit?

Holly Johnson August 22, 2018
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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.
What Is the Best Capital One Credit Card?

Kat Tretina August 20, 2018
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Whether you’re looking at Capital One or any other issuer, the perfect card for you will depend a lot on your credit and your feature preferences. To help you pick the right one, we’ll cover the top Capital One credit cards and who they’re good for.
Why College Students Should Have a Credit Card

Kat Tretina August 10, 2018
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When you’re in school, going without a credit card can be risky. If you’re thinking about getting a student credit card, here’s what you need to know about the benefits.
Why Flexible Travel Credit is Totally Underrated

Holly Johnson July 19, 2018
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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.
Why You Should Get a Credit Card for Your Summer Vacation

Holly Johnson July 9, 2018
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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.
Half of Americans Received No Education on Credit Cards; That’s a Problem

Kat Tretina June 14, 2018
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If you juggle multiple credit cards and carry a balance, you’re not alone. According to Student Loan Hero, cardholders in the United States have $5,234 in credit card debt, on average. Millions of people have credit card debt, making it one of the most serious financial issues affecting individuals.
Can a Credit Card Actually Help Me Pay Off Debt?

Holly Johnson June 12, 2018
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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
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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.
Best Rewards Cards for Spring Cleanup and Landscaping

Holly Johnson April 9, 2018
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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.
How to Get a Credit Card as a College Freshman

Kat Tretina March 22, 2018
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A credit card can be an essential safeguard, but getting one as a freshman isn’t easy. Read on to learn more about what you need to get approved for a credit card and your top three options.
6 Things You Should Know About the New World of Hyatt Program

Holly Johnson March 19, 2018
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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.
How to Use Credit Card Rewards to Finance Your Next Vacation

Kat Tretina March 15, 2018
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Whether you earn cash back or travel rewards, using your credit card for your everyday spending can make it easy to rack up rewards. If you’re planning a vacation soon, use these 5 steps to help you at least partially cover the cost.
8 Unusual Credit Card Benefits

Kat Tretina March 8, 2018
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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.
The Best Rewards Cards for a Valentine’s Day Splurge

Holly Johnson February 18, 2018
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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.
5 Best Rewards Cards for Your Massive Daycare Bill

Holly Johnson December 22, 2017
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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.
Uber Visa Review

Jason Steele December 20, 2017
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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.
4 Last-Minute Rewards Cards that Let You Double Dip This Year and Next

Holly Johnson December 19, 2017
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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.
Best Financing Offers For Coping With Holiday Debt

Jason Steele December 18, 2017
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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.
5 Money Lessons Your Teenager Can Learn with a Credit Card

Holly Johnson December 15, 2017
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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
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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.
4 Ways You Can Become a Holiday Points Master

Kirsten Thuringer December 8, 2017
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If you have yet to finish your holiday shopping, you aren't alone — one National Retail Federation survey found that about 90 percent of shoppers hold out until December 23 to finish their shopping.
Best Business Credit Cards for 2017 Holiday Spending

Holly Johnson November 30, 2017
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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:
This Rewards Card Gives You 5 Percent Back on All Your Holiday Shopping

Holly Johnson November 27, 2017
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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
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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 Business Credit Cards for office supply purchases

Jason Steele November 16, 2017
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To get the most out of your office supply purchases, you need to use the right credit card. The right small business card can offer you bonus rewards from all your purchases at Office Depot, Office Max, Staples and any other office supply store.
Best Rewards Cards for Black Friday 2017

Holly Johnson November 9, 2017
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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.
The Best Business Credit Cards for Your Side Hustle

Kat Tretina November 8, 2017
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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.
Best Balance Transfer Credit Cards that also offer rewards

Jason Steele November 7, 2017
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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.
Best Balance Transfer Cards of 2019

Kat Tretina November 7, 2017
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If you’re like most Americans, you’re burdened by credit card debt. In fact, the average American has $6,354 in credit card debt. With high interest rates, your balance can quickly balloon out of control, and you can end up paying far more than you originally charged.
Best Balance Transfer Credit Cards if You Have a Ton of Debt

Holly Johnson November 6, 2017
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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.
Are premium credit cards worth it?

Jason Steele October 30, 2017
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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.
Use Travel Rewards to Stretch Your Honeymoon Budget to Paris and Beyond

Holly Johnson October 25, 2017
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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:
Airline Credit Cards with No Annual Fee

Jason Steele October 13, 2017
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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.
Delta SkyMiles® Blue American Express Card: Earn Delta SkyMiles® without an Annual Fee

Holly Johnson October 9, 2017
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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.
Capital One Venture Rewards Credit Card vs. Barclaycard Arrival Plus, which should you pick?

Jason Steele September 28, 2017
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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:
Earn 200,000 bonus miles worth up to $2,000: Capital One® Spark® Miles for Business Review

Holly Johnson September 22, 2017
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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.
How To Choose a Credit Card

CreditSoup Staff September 21, 2017
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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.
5 Ways Millennials Can Use Credit Cards to their Advantage

Holly Johnson September 19, 2017
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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
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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
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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.
What to do with your Chase Sapphire Preferred® Card

Jason Steele August 30, 2017
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For several years, the Chase Sapphire Preferred® Card 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.
Can Credit Cards Help You Become More Charitable?

Holly Johnson August 25, 2017
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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
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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.
A Deep Dive into the Barclaycard Arrival Plus® World Elite Mastercard®

CreditSoup Staff August 17, 2017
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There are a lot of options for travel credit cards in the market today. Offering a high sign-up bonus, generous earnings rate, flexible redemption, with no foreign transaction fees - the Barclaycard Arrival Plus® World Elite MasterCard®, is a great travel credit card to consider adding to your wallet.
“Surprise” Credit Card Fees You Should Never, Ever Pay

Holly Johnson August 16, 2017
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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.
Plan Now to Earn Travel Rewards For the Holidays

Jason Steele August 14, 2017
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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.
Your Top 3 Travel Cards for Summertime Fun

CreditSoup Staff July 28, 2017
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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
Best Credit Cards for Graduate Students

Jason Steele July 11, 2017
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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.
Credit cards for college students

Natalie Hollingshead June 29, 2017
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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.
Don’t Miss Out on These 4 Untapped Credit Card Benefits

CreditSoup Staff June 27, 2017
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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.
3 Ways to Lower Your Credit Card Payment

Kat Tretina June 23, 2017
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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.
Chase Freedom® Review: A First-Hand Account

Holly Johnson June 20, 2017
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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.
How to Choose the Right Credit Card for Your Needs

Kirsten Thuringer June 16, 2017
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One of the first — and most important — steps of any job is deciding which tool will be most effective for that task. While a hammer is great for driving nails into a wall, it doesn’t work quite as well when you’re trying to apply a fresh coat of paint.
Why Chase Slate® Is The Ultimate Tool For Paying Off Your Debt

Jason Steele June 15, 2017
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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.
Understanding Interest and APR is in Your Best Interest

Natalie Hollingshead June 14, 2017
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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.
A New Grad’s Guide to Credit Cards

Kat Tretina June 9, 2017
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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.
What You Need To Know About Credit Card Limits

Natalie Hollingshead June 8, 2017
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There are times when taking it to the limit is a good thing — like when you’re racing in the Indy500, for instance, or finishing your first marathon. When it comes to credit card limits, the best policy is to keep your distance.
4 Things to Consider When Weighing Credit Cards

Kirsten Thuringer June 7, 2017
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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.
Chase Sapphire Preferred® Card Review: Why It’s the One Travel Card I Can’t Live Without

Holly Johnson June 6, 2017
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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.
What happens to credit card obligations when a loved one dies?

Natalie Hollingshead May 31, 2017
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One of the last things you want to deal with after the death of a loved one is his or her credit card debt. Depending on the type of account and laws where you live, dealing with credit card obligations after the death of a loved one may be a fact of life. The sooner you know what you’re dealing with, the better.
Best Credit Cards for a Large Purchase

Holly Johnson May 26, 2017
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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.
4 Signs a Credit Card Offer Is Too Good to Be True

CreditSoup Staff May 25, 2017
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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?
Using Credit Cards Rewards for Vacation Expenses

Natalie Hollingshead May 24, 2017
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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.
How to Score Credit Card Incentives Without Going Broke

Kat Tretina May 23, 2017
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When it comes to shopping for a new credit card, there are hundreds of bonus offers and sign-up incentives. Sometimes worth hundreds of dollars, credit card companies tempt thousands of airline miles or cash back rewards to convince you to apply for their card.
Is There Such a Thing as Too Many Credit Cards?

Kirsten Thuringer May 19, 2017
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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.
How to Boost Your Odds of Credit Card Approval

CreditSoup Staff May 18, 2017
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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.
What You Should Know Before Doing a Balance Transfer

Kat Tretina May 16, 2017
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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.
Keeping Your Credit Card Safe On Vacation

Natalie Hollingshead May 12, 2017
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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.
Should You Pay Your Card’s Annual Fee? Here’s How to Decide

Holly Johnson May 9, 2017
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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.
4 Rewards Credit Cards That Can Maximize Your Memorial Day Weekend Plans

Kat Tretina May 4, 2017
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Memorial Day is just around the corner. This national holiday has become an occasion to enjoy summer cookouts, long weekends, and time with family and friends. If you’re planning an epic Memorial Day weekend, these 4 credit card offers can help you get valuable rewards to maximize your budget.
Consider These Factors Before Choosing the Right Credit Card

CreditSoup Staff May 3, 2017
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Let’s face it: Sifting through credit card offers can be stressful. There are hundreds of available options, and each one offers different rates, terms, perks, and rewards. It’s overwhelming.
Capital One® Savor® Cash Rewards Credit Card

Jason Steele April 24, 2017
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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.
Is a Balance Transfer Credit Card right for you?

Kirsten Thuringer January 27, 2017
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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.
USAA offers great options for Veterans

Kirsten Thuringer November 10, 2016
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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.
Earn Rewards Towards Your Next Vehicle Purchase

Kirsten Thuringer November 2, 2016
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Looking to purchase or lease a new vehicle at some point within the next 3 years? Then the GM BuyPower Business Card from Capital One® -Get The Card That Helps You Get The Car might be for you. This rewards card offers 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease
Chase Freedom® 5% Quarterly Categories for Q1 2019

Holly Johnson January 19, 2016
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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.
Steps to Take if Your Credit Card Information has been Compromised

Camie Sims February 7, 2014
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Credit cards are convenient but there are associated risks. If your credit card or bank information has been compromised, follow these steps.
Shopping for a department store credit card? Consider this…

Camie Sims February 15, 2011
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Can't decide between a Kohls, Home Depot, Lowes, Walmart or Old Navy department store credit card or a regular rewards credit card, here are some things to think about.
Looking for a credit card with guaranteed approval?

Camie Sims February 3, 2011
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Horizon Gold is a great credit card option for poor credit or damaged credit with guaranteed approval.
What to look for in small business credit.

Scott Delzer January 20, 2011
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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.
How do Unsecured Credit Cards differ from Secured Credit Cards?

Scott Delzer January 11, 2011
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Before applying for a credit card, learn the differences between an unsecured credit card and a secured credit card.
Public Savings Bank Launches New OpenSky® Secured Visa® Credit Card

Scott Delzer January 6, 2011
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New for 2011, the OpenSky® Secured Visa® Credit Card from Public Saving Bank. This card is designed for individuals with bad credit, poor credit or no credit.
American Express® Gift Cards make great Christmas or Holiday gifts

Scott Delzer December 16, 2010
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American Express gift card, last minute gift solution.

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