Credit Cards

  1. How To Choose a Credit Card

    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.

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  2. 5 Ways Millennials Can Use Credit Cards to their Advantage

    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.

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  3. Rewards Credit Cards to Score Before the Holidays Hit

    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.

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  4. 6 Most Simple Travel Rewards Credit Cards

    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.

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  5. Yes, You Can Book All-Inclusive Vacations with Credit Card Rewards

    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.

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  6. What to do with your Chase Sapphire Preferred

    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.

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  7. Can Credit Cards Help You Become More Charitable?

    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.

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  8. 3 Credit Card Perks to Help You Save on College Shopping

    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.

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  9. A No-Fee Membership Rewards Card You'll Love: Blue Business Plus Credit Card from American Express

    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.

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  10. 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.

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  11. Plan Now to Earn Travel Rewards For the Holidays

    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.

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  12. Your Top 3 Travel Cards for Summertime Fun

    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

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  13. Best Credit Cards for Graduate Students

    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.

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  14. Credit cards for college students

    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.

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  15. Don't Miss Out on These 4 Untapped Credit Card Benefits

    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.

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  16. 3 Ways to Lower Your Credit Card Payment

    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.

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  17. Lesser-known credit card perks

    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.

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  18. Chase Freedom Review: A First-Hand Account

    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.

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  19. Why Chase Slate Is The Ultimate Tool For Paying Off Your Debt

    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.

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  20. Understanding Interest and APR is in Your Best Interest

    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.

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  21. 4 Hidden Costs Behind Rewards Cards

    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.

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  22. 3 Amazing Features Of The Freedom Unlimited That Everyone Misses

    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.

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  23. A New Grad’s Guide to Credit Cards

    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.

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  24. 4 Things to Consider When Weighing Credit Cards

    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.

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  25. Best Credit Cards for a Large Purchase

    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.

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  26. 4 Signs a Credit Card Offer Is Too Good to Be True

    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?

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  27. Using Credit Cards Rewards for Vacation Expenses

    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.

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  28. Is There Such a Thing as Too Many Credit Cards?

    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.

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  29. How to Boost Your Odds of Credit Card Approval

    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.

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  30. What You Should Know Before Doing a Balance Transfer

    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.

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  31. Keeping Your Credit Card Safe On Vacation

    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.

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  32. The Top 10 Benefits Of Owning A Capital One Venture Rewards Card

    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.

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  33. Should You Pay Your Card’s Annual Fee? Here’s How to Decide

    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.

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  34. 5 Ways to Sidestep Common Credit Card Blunders

    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?

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  35. Swiping With Care: 10 Ways To Use Credit Cards Responsibly

    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.

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  36. Premier Dining Rewards From Capital One

    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

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  37. Rewards Credit Cards Overview: 5 Types of Cards and How They Work

    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.

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  38. 6 Ways Credit Cards Can Improve Your Financial Life

    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.

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  39. Is a Balance Transfer Credit Card right for you?

    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.

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  40. USAA offers great options for Veterans

    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.

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  41. Earn Rewards Towards Your Next Vehicle Purchase

    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.

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  42. What to look for in small business credit.

    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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Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.