Credit Cards

Credit cards are one of the most powerful financial tools you can have.

It is also one of the most dangerous. Credit cards give you purchasing power far beyond what you'd feel comfortable carrying in cash. But they also charge exorbitantly high interest rates, even if you have the best of credit.

But they can also offer cash back or rewards points on your spending to entice you to use them. It's a delicate balance and like any powerful tool, it's important to take advantage of them but also respect them.

Philosophically, I believe that you should put all spending on a credit card and pay off that balance each month. This will ensure that you maximize cash back or rewards and minimize interest payments. The posts below may help you become better users of credit.

Best Credit Card Welcome Bonuses

Best No Annual Fee Credit Cards with a Welcome Bonus

If you have good credit, you can often earn hundreds of dollars for getting a new credit card. Many of those offers are on cards with an annual fee – which you may not want to pay! We share with you the best credit card bonuses on cards that will not charge you an annual fee – some of which are in the hundreds of dollars.

Credit Cards:

The Best Credit Cards for FICO Credit Scores of 650-699

A FICO credit score between 650 and 699 is considered "middle of the pack." Some lenders would say that it represents fair credit, while others use the term, average. But what types of credit cards can you qualify for with a FICO score between 650 and 699? Learn more.

10 Best Credit Cards for Low Spenders

Do you love getting credit card bonuses but don’t like the high spending requirements that come with many credit card bonus offers? Perhaps you want to earn rewards but don't spend enough money monthly to justify the high annual fee. Here are ten of the best credit cards for low spenders.

Mission Lane Credit Card Review: Everything You Need to Know

If you’re still working on getting your credit score above 670, you may need a credit-building credit card instead. The Mission Lane Visa™ Credit Card is an option that can help you establish credit and gradually improve your credit score. Here's what you need to know, including the key features, fees, pros and cons, and Mission Lane alternatives.

Upgrade Cash Rewards Card Review

The Upgrade Rewards Cash Rewards card is a promising alternative to traditional credit cards. It can be easier to qualify for, you can earn 1.5% back on card payments, and you don’t need to make a security deposit. But is it the right card for you? This Upgrade Cash Rewards Card review covers the positive and negative features.

Best Credit Cards for FICO Credit Scores Between 500 – 599 

If your FICO credit score is under 600, trying to borrow money can feel like a hopeless situation. The good news is that there are credit cards you can get even if you struggle with poor credit. Here are five secured credit cards for people with credit scores between 500 and 599.

Wells Fargo Active Cash Card Review

Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Most cards allow you to apply your earnings as a statement credit, purchase gift cards and other merchandise, and receive cash payments via a check or bank account deposit. The Wells Fargo Active CashSM Card is no different.

AMEX Points vs. Chase Points: Which is Better?

Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. But which is the better of the two? To find out, I've compared the two credit card giants using five criteria. It was a close race, but I did manage to come up with a winner.

Reflex Mastercard Review: Better Credit for a Price

The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. It's easy to qualify for, and you gain access to several Mastercard benefits. But can Reflex compete with other top cards from Capital One, Indigo, or Chime? I cover all of this and more in this Reflex Mastercard review.

Indigo Platinum Mastercard Review: Is it Worth the Cost?

Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. And unlike a secured credit card, you won't have to contribute a security deposit. In this Indigo Platinum Mastercard review, I cover the card's features, including the positives and negatives, and share some Indigo Mastercard alternatives.

Destiny Card Review: Rebuild Your Credit without a Security Deposit

Unlike many credit builder products, the Destiny Mastercard is an unsecured credit card that lets you build credit with the three major credit bureaus. In this Destiny card review, I’ll tell you why I think it’s worth considering, especially if you don’t want to set aside cash for a credit card security deposit.

T.J. Maxx Credit Card Review: Earn TJX Rewards of Up to 5%

If you are a regular T.J. Maxx customer or shop at one of their popular subsidiaries - including Marshalls, HomeGoods, HomeSense, and Sierra - you may be interested in the T.J. Maxx Credit Card. It works at the many thousands of stores within the T.J. Maxx family, a who's who of popular American retailers.

How to Dispute a Credit Card Charge

In this day and age where credit card fraud is so prevalent, it’s crucial that you know how to dispute a credit card charge. There are laws in place to protect consumers, but there are also stipulations within those laws. Knowing how to dispute a credit card charge will help you avoid getting ripped off. 

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