Advice & Expertise Blog

Articles tagged #creditcard

  1. March 13, 2019

    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.

  2. March 8, 2019

    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.

  3. March 6, 2019

    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.

  4. February 27, 2019

    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.

  5. February 19, 2019

    If you’re a skilled credit card user and juggle multiple rewards credit cards to take advantage of their benefits, you know how great Chase’ Ultimate Rewards program can be. Offering excellent cash back, bonus miles, and perks, Chase rewards are extremely valuable.

  6. February 8, 2019

    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.

  7. February 5, 2019

    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.

  8. January 31, 2019

    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.

  9. January 30, 2019

    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.

  10. January 29, 2019

    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.

  11. January 28, 2019

    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.

  12. January 17, 2019

    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.

  13. January 16, 2019

    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.

  14. January 11, 2019

    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.

  15. November 19, 2018

    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.

  16. October 22, 2018

    The Wells Fargo Cash Wise Visa® Card offers a simple rewards proposition, a solid signup bonus, and valuable perks consumers will love. The best part is, consumers can sign up for this card and earn rewards on their regular spending without paying an annual fee.

  17. October 18, 2018

    What type of card you have is important. It affects how much you owe each month, what you’ll pay in fees, and how much you can spend. When deciding whether to open a credit card or a charge card, it’s important to keep these differences in mind to ensure you make the right choice for you.

  18. September 21, 2018

    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.

  19. September 19, 2018

    If your credit score is in the 600 range, you have what is typically called “fair” credit. While it’s possible to get approval for a traditional credit card if you have fair credit, many credit cards for people with bad credit are secured credit cards. If you are in this range, take a look at the cards that might be available to you and how you can help you score.

  20. August 31, 2018

    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.

  21. August 29, 2018

    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.

  22. June 5, 2018

    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.

  23. December 18, 2017

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

  24. December 1, 2017

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

  25. October 30, 2017

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

  26. October 9, 2017

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

  27. September 21, 2017

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

  28. September 13, 2017

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

  29. August 30, 2017

    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.

  30. August 18, 2017

    While American Express is well known for their selection of premier travel credit cards, past and present Amex customers seem to have a lot of gripes. For starters, the card issuer’s top tier travel credit cards – the Platinum Card from American Express and the Business Platinum Card from American Express – come with outrageous annual fees of $550 and $595, respectively. Worse, both cards offer an earning tier of just 1 point per $1 spent outside of special bonus categories.

  31. August 16, 2017

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

  32. July 11, 2017

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

  33. June 29, 2017

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

  34. June 23, 2017

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

  35. June 22, 2017

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

  36. June 20, 2017

    My original foray into credit card rewards stemmed from a targeted mailer for the Chase Freedom® card. I was in my late 20’s and money was tight. With 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.

  37. June 15, 2017

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

  38. June 14, 2017

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

  39. June 12, 2017

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

  40. June 7, 2017

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

  41. May 26, 2017

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

  42. May 19, 2017

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

  43. May 18, 2017

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

  44. May 12, 2017

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

  45. May 9, 2017

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

  46. May 8, 2017

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

Editorial 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. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.